Structure the seller-carry terms without inventing the yield
Rung 4 of 10 · Recipe pattern
1 · Learn the move · Recipe pattern
Seller financing multiplies what a land flip earns and widens the buyer pool to everyone who can't pay cash, but it turns a one-time sale into a multi-year instrument with a yield, a legal form, and a default path, and every one of those is a place an AI will overreach. The recipe pattern fixes the inputs and the output shape so it can't: a fixed set of term slots (price, down payment, rate, amortization, term/balloon, servicing) each filled only from what you provide, and a yield that is SET UP as a formula and handed to a calculator, never multiplied out in the chat, because compound amortization computed by a language model is a wrong number with a confident face. Two lines of routing keep it safe. The instrument, whether the deal should be a mortgage, a deed of trust, or a land contract, varies by state and is a lawyer's call, so the recipe names the category and its trade-offs and routes the choice to counsel. And the tax, installment-sale treatment and the interest you'll report, goes to your CPA, never answered here. You get a clean, defensible terms structure you can offer on the spot; the yield comes from your calculator and the paperwork from your attorney.
Help me structure seller financing on this land sale so I can offer terms to a buyer. [paste your price, the down payment, rate, and term you have in mind]
2 · Your turn. You write the prompt
You're selling a parcel for $80,000 and a buyer wants terms. You have a rough idea: about 20% down, something around a 9% rate, amortized over 10 years with a 5-year balloon, and you'll self-service or use a servicer, but you're not sure. You want the terms structured cleanly to present, the yield set up so your calculator can run it, and the instrument and tax questions flagged, without the AI computing the payment schedule itself or telling you which legal instrument to use or how it's taxed. Write that prompt.
Remember: the AI sees only your prompt, not this page. If the situation isn't in your prompt, it doesn't exist.
Optional. These shape the output when you run your prompt below, not your score.