Using Terms to Buy and Sell Property with Zachary Beach

In this episode of Dave Debeau's renowned podcast, an esteemed guest, Zachary Beach, graces the platform to discuss his expertise in using terms to buy and sell property. Zachary Beach, a seasoned real estate investor and developer, shares his knowledge of the practicalities of term-based property transactions. 

Using Terms To Buy And Sell Property With Zachary Beach

In this episode of Dave Debeau’s renowned podcast, an esteemed guest, Zachary Beach, graces the platform to discuss his expertise in using terms to buy and sell property. Zachary Beach, a seasoned real estate investor and developer, shares his knowledge of the practicalities of term-based property transactions. 

Armed with an impressive track record in real estate, Zachary Beach brings unmatched insights to the table. Debeau’s podcast seldom misses the chance to introduce specialists with practical wisdom and appliances, and Beach is no different. Zachary’s greatest strength lies in his ability to understand the complexities of the property market from diverse perspectives. He has honed his skills from years of hands-on experience in the rapid and rigorous world of real estate. 

Debeau and Beach delve into the nuts and bolts of property dealings using terms in this intriguing conversation. Beach provides the listeners with a clear and concise understanding of what it means to use “terms” in buying and selling property. His easy-to-understand explanations are perfect for listeners of various competence levels, including beginners in real estate.

Throughout the podcast, Zachary doesn’t shy away from sharing practical advice on utilizing term-based approaches to buying and selling property. From the basics to more complex areas, Zachary’s teachings will guide you on your journey to becoming a savvy real estate investor

The concept of ‘Terms’ underpins many of the strategies and tactics deployed by some of the most successful real estate investors. Learn the ropes from the expert as Dave and Zachary unravel the art of leveraging terms for optimal outcomes.

But first, if you want financing for your next investment and want to know what type of collateral may be involved, click the link below for a free strategy call with our mortgage team at LendCity to discuss your specific situation.

Understanding the Terminology in Property Deals 

When using terms to buy and sell property, the language utilized plays a critical role. Understanding these terminologies is of prime importance to making intelligent decisions in real estate and avoiding unfavourable situations. 

‘Terms,’ in real estate, primarily refer to the conditions and requirements of a property deal. This could be anything from the contract length, monthly payment frequency, down payment size, or interest rate to whether the purchase contract allows lease options or owner financing. These terms are negotiable. Therefore, it is crucial to know what each term signifies and how it can impact the deal. 

Dave Debeau invited Zachary Beach to elaborate on some standard terms in real estate deals. Here are some of the key ones: 

  1. Option Fee: An upfront payment made by a potential tenant to a landlord for the exclusive right to buy the property later. This is typically non-refundable.
  2. Down Payment refers to a buyer’s initial lump sum payment to secure a property.
  3. Interest Rate: This is the proportion of a loan charged as interest to the borrower, typically expressed as an annual percentage.
  4. Contract Length: It denotes the time agreed upon by both parties to repay the loan.

Zachary Beach says understanding these terms can give buyers and sellers an edge in negotiations. So, it’s worth taking the time to familiarize yourself with them. 

In real estate, terms are not just words. They carry weight and have financial implications. They can dictate the success or failure of a real estate transaction. So, understanding the terminology is essential for anyone venturing into property investment or dealing.

Different Types of Property Deals 

In this section, let’s dissect the different types of property deals that real estate players like Zachary Beach utilize. Dave Debeau points out that these deals come in various forms, each providing unique advantages for buyers and sellers. 

Lease Options 

Lease options, also known as “rent-to-own,” offer a buyer the chance to occupy a property and decide later whether to purchase it. The seller, in turn, secures a potential buyer while receiving rental income

Owner Financing 

With owner financing, the seller takes on the role of a bank, providing the financing for the buyer to purchase the property. It’s a flexible mode of financing that can benefit both parties, mainly when conventional bank financing isn’t an option. 

Subject to Existing Financing 

“Subject to” deals involve the buyer taking over the seller’s existing mortgage payments. This can offer a quick closing for sellers and provide buyers with an established financing structure. 


Wholesaling involves a buyer agreeing to purchase a property and then quickly reselling, or “assigning the contract,” to another buyer – without ever taking ownership. This offers a fast return for the first buyer and can provide a speedier sale for the seller. 

Buy and Hold 

The buy-and-hold strategy involves purchasing and renting a property for a long time to earn rental income. This provides an ongoing income stream for the buyer and a sale for the seller. 

Whether Zachary Beach is executing a lease option, subject to, or wholesaling a deal, his strategy always involves making the numbers work for everyone involved. Dave Debeau highlights that this is the crux of successful real estate investing.

How to Use Terms to Buy Property 

The journey starts with understanding what these terms imply in the endeavour to buy property using terms. Real estate transactions can be complex, but knowing the terminology makes it manageable and less intimidating. Interviewee Zachary Beach illustrates this concept perfectly.  

Know Your Needs 

To start with, Zachary advises buyers to identify what they need in a property. This includes the type of property, its location, size, features, and growth potential. These details help us understand the terms to be discussed during the negotiation process. 

Choosing the Right Terms 

After understanding your needs, choosing terms appropriate to your circumstances is essential. Negotiations play a pivotal role here. Terms might include the price, deposit amount, length of the contract, and repayment method. Zachary advises carefully evaluating these aspects, which can significantly influence the deal’s success. 


In any real estate transaction, negotiations are the critical process for defining terms. Zachary recommends that buyers should prepare effectively for this stage. Knowing the market value, having good negotiation skills, and understanding what you can or cannot compromise on is essential to keep in mind. 

Getting Legal Advice 

Zachary emphasizes the importance of getting legal advice when dealing with terms in property deals. Legal counsel can help spot potential issues and offer proper insight into the legal implications of the chosen terms. This guarantees a secure transaction and ensures that your rights as a buyer are protected. 

In conclusion, utilizing terms in property transactions is not as daunting as it might seem, especially if you understand these terminologies well. As always, do your due diligence, be well-prepared, and get legal advice to safeguard your interests.

Benefits of Using Terms in Real Estate Transactions 

Terms are vital tools in property transactions that provide both the buyer and seller flexibility and security. With Zachary Beach and Dave Debeau, let’s discover some potential benefits of using terms in real estate transactions. 

  1. Greater Flexibility 

Terms allow for more flexible payment structures. Instead of a standard mortgage payment plan where buyers pay a similar amount each month, terms can be structured to fit the buyer’s payment capabilities. For instance, if a buyer’s income is seasonal or irregular, payments can be organized to reflect their financial flow. 

2. Access to More Opportunities 

Using terms, real estate investors can tap into a wider pool of potential deals. Unconventional or creative financing options may appeal to sellers anxious to move their property or those who’ve had their homes on the market for an extended period. Thus, terms create more possibilities for both parties. 

3. Less Financial Pressure 

Sellers can experience less financial pressure. In an owner-financed deal, the seller isn’t required to pay off their mortgage all at once, which can relieve financial stress. Instead, payments can be made over time, providing steady income

4. Reinforced Security 

Both parties enjoy an increased sense of security when terms are in place. In case of any discrepancies or legal disputes, clearly defined terms can serve as evidence supporting each party’s claims. This reassurance proves invaluable in maintaining harmonious business relations 

Using terms in real estate transactions, as shared by Zachary Beach, isn’t only about finding an easier way to buy or sell properties; it’s about exploring creative solutions that could ultimately lead to greater satisfaction for all involved parties.

Key Factors to Consider in Property Deals 

When engaging in property deals, especially those using terms, there are essential factors that Dave Debeau and Zachary Beach mutually agree should consider. Here are some of them: 

  • Understanding the financial situation: It’s crucial to understand your current financial situation and the seller. Remember, the goal is to create a win-win situation where you both benefit. Buying with terms might not be an option if the seller needs cash.
  • Evaluating the property condition: Once you have a potential deal, the next crucial step is assessing the property’s condition. This includes checking structural integrity, the condition of fixtures and fittings, possible pests or damp issues, and more. This will significantly impact whether the deal is profitable or not.
  • Area or Location: The area in which your potential property is situated can heavily impact its value. Consider factors such as the quality of local schools, proximity to local amenities, crime rate, etc.
  • Legal Concerns: When setting the terms of the deal, ensure that everything is legitimate and legal. It’s advisable to have a legal expert review the contract before you sign it.

Kicking off any property transaction, especially involving terms, relies on fostering open and honest communication between you and the seller. Zachary and Dave encourage you to be transparent – not just about your intentions and capabilities but also about potential hiccups and challenges that might be faced along the way. 

By having all these factors in mind, you can better navigate the process of buying or selling properties using terms, potentially making profitable and successful real estate deals.

Common Challenges in Using Terms to Sell Property 

While using terms to sell property can be a lucrative strategy, it’s not without its challenges, as Zachary Beach discussed on Dave Debeau’s podcast. Identifying, understanding, and mitigating these obstacles is thus crucial for prospective property sellers using this method. 

Overcoming Legal Restrictions 

Legal restrictions are the primary hurdles in using terms to sell the property. Each region has different laws and regulations regarding property transactions, and it is essential to understand these legalities before committing to a sales strategy. “You must do due diligence, reach out to local real estate attorneys, and keep yourself updated with recent laws,” advises Beach. 

Unanticipated Repairs and Maintenance 

Selling properties using terms might also lead to unforeseen repair and maintenance expenses. Properties may require more upkeep than initially estimated, leading to unexpected costs. Beach emphasizes the importance of a thorough property inspection and a well-negotiated agreement to account for such possibilities. “Building a cushion in your deal for these unexpected expenses is critical,” Beach adds. 

Dealing with Non-Performing Buyers 

A significant challenge arises when the buyer defaults on their agreement terms. It can become time-consuming to either renegotiate the contract or initiate a foreclosure. “Always have a Plan B; this could entail having a secondary buyer lined up or being prepared to retain the property if things do not go as planned,” says Beach.

Finding Suitable Buyers 

Another common challenge is finding suitable buyers who abide by the terms and have the financial capacity to handle the transaction. “Creating a pre-qualification system can help filter out unsuitable buyers early in the process,” Beach suggests. It can save time and resources, thus making it more efficient.

Overcoming these challenges is a testament to the tenacity of property sellers. It’s about understanding the landscape, planning for contingencies, and being patient. As Zachary Beach mentioned on Dave Debeau’s podcast, with the right strategies, these challenges can not only be managed but also turned into opportunities.

Conclusion and Key Takeaways 

The episode featuring real estate savant Zachary Beach focused on the innovative strategy of using terms to purchase and sell properties. In the lively discussion with host Dave DeBeau, they explored a range of subjects pertinent to this topic. 

Zachary sensitized listeners to key terminologies, from ‘seller financing’ to ‘lease options.’ With clear and concise explanations, Zachary dissipated the fog that often shrouds real estate speak. 

  • Seller Financing: This is a process in which the seller assumes the lender’s role. Instead of heading to a conventional bank, the buyer pays the seller in installments.
  • Lease Options: This contract grants a tenant the option to buy a property within a specified timeframe at an agreed-upon price. Additionally, Zachary guided listeners through various types of property deals. He shed light on each type’s unique intricacies and requirements, empowering you with greater understanding to make informed decisions. His descriptions were peppered with practical examples, bringing the different scenarios and associated benefits to life. A key highlight was Zachary’s revealing of how terms can be used to buy property. He positioned this method as beneficial for those with challenges securing traditional financing or wanting more flexibility in repayment terms.
    Similarly, he elaborated on the benefits of using terms in real estate transactions. Emphasizing flexibility and lower risk as major perks, Zachary demonstrated how buyers and sellers could glean immense value through this approach. Yet, it was not all a rosy picture. Zachary warned of potential challenges in using terms to sell property. From missed payments to tenant damage, he underscored the critical importance of drafting a detailed and watertight agreement to protect your interests. And in wrapping up the session, a word of encouragement was given to listeners. Despite the dimensions of complexity and challenge, the potential rewards of using terms are tantalizing. With due diligence, guidance from experienced professionals, and constant learning, you can use this innovative real estate approach to amass wealth.

If you are ready to start investing today and want more information about how your mortgage may be secured – or are looking to apply for a mortgage today – click the link below for a free strategy call with our mortgage team at LendCity today.

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