How to Structure a Seller Financing Deal. I'm going to share with you how to structure an offer with one of the most profitable real estate strategies and that is seller financing.A strong promissory note should be drafted with clauses that directly address non-payment and late payments. Use this free customizable owner financing contract template to confirm financing between the owner selling a home and a buyer purchasing it. Seller financing can be used to defer capital gains taxes on the sale of a business or property. The contract will state the date at which the final transfer of ownership and possession of the business will occur, and when the seller will get the money. I've bought a few commercial buildings with similar terms (bigger numbers.)