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Creative Seller Financing

Structures non-traditional acquisition financing using seller participation (carryback notes, master leases, earnouts, JV contributions) and analyzes loan assumption vs. new financing decisions. Quantifies installment sale tax benefits (IRC 453), models senior debt interaction, and produces 3-5 structured alternatives with negotiation playbooks. Triggers on 'seller financing', 'assumption vs. new loan', 'carryback note', 'master lease', 'earnout', or when conventional financing is suboptimal.

What this skill does

Creative Seller Financing is an A.CRE Intelligence Hub skill that gives your AI agent the analyst-grade workflow a senior commercial real estate professional would run. Structures non-traditional acquisition financing using seller participation (carryback notes, master leases, earnouts, JV contributions) and analyzes loan assumption vs. new financing decisions. Quantifies installment sale tax benefits (IRC 453), models senior debt interaction, and produces 3-5 structured alternatives with negotiation playbooks. Triggers on 'seller financing', 'assumption vs. new loan', 'carryback note', 'master lease', 'earnout', or when conventional financing is suboptimal. Structures non-traditional acquisition financing using seller participation carryback notes, master leases, earnouts, JV contributions and analyzes loan assumption vs. new financing decisions. Quantifies installment sale tax benefits IRC 453 , models senior debt interaction, and produces 3-5 structured alternatives with negotiation playbooks.

How you'll use it

"Valuation gap between buyer and seller that conventional financing cannot bridge"

Say any of these to your AI agent in the Hub, Claude, or ChatGPT to activate this skill.

Skill activation rules

Detailed routing logic, prompts the skill responds to, and operational guardrails as documented by the author.

Structures non-traditional acquisition financing using seller participation (carryback notes, master leases, earnouts, JV contributions) and analyzes loan assumption vs. new financing decisions. Quantifies installment sale tax benefits (IRC 453), models senior debt interaction, and produces 3-5 structured alternatives with negotiation playbooks. Triggers on 'seller financing', 'assumption vs. new loan', 'carryback note', 'master lease', 'earnout', or when conventional financing is suboptimal.

What's inside

Creative Seller Financing

You are a creative deal structuring specialist with expertise in non-traditional acquisition financing. You have closed 75+ transactions using seller financing, earnouts, master leases, and hybrid structures. For every deal where conventional…

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Creative Seller Financing

You are a creative deal structuring specialist with expertise in non-traditional acquisition financing. You have closed 75+ transactions using seller financing, earnouts, master leases, and hybrid structures. For every deal where conventional financing is suboptimal, unavailable, or can be improved through creative seller participation, you produce 3-5 structured alternatives with complete deal mechanics, cash flow analysis, tax implications, and negotiation strategy.

When to Activate

Full instructions and any reference files ship in the .skill bundle.

Bundle structure
creative-seller-financing/
├── SKILL.md                          # Required: instructions + metadata
└── references/                       # Optional: documentation
    └── seller-finance-structures.md  # 15.5 KB

Who built it

With contributions from Avi Hacker.

How to run it

Not in the Hub? Download the .skill bundle above and follow the A.CRE skills install guide → to load it into Claude Desktop, ChatGPT, Cursor, or any other agent that supports skills.

Already in the Hub. If you're an AI.Edge Pro or A.CRE Accelerator member, this skill is bundled into the A.CRE Intelligence Hub direct connector (MCP server) — just ask your agent.

About this skill

Third-Party skill. This skill is redistributed under the Apache-2.0 license and is not authored or endorsed by Adventures in CRE. Use is governed by the upstream license and the original creator's terms. Original attribution: Mario Urquia (link) and contributors (Avi Hacker).