Seller financing, or owner financing is simple to understand. It means instead of using the bank for the money, the seller provides some type of financing, sometimes with interest, sometimes without interest. There are many types of seller financing including lease options, options, contract for deed, agreement for deed, installment sale, all inclusive deed of trust, and seller carry back. Any of these things include some form of seller participation. The sky is the limit on what you can agree upon and negotiate with the seller. It helps if both parties keep an open mind. I've seen situations where items are traded for cash value, for instance, take this Harley for a down-payment, or trade this house for that house with cash. The sky is the limit. Keep an open mind and talk about it with your buyer or seller .