Seller financing means the seller acts as the bank: you make monthly payments, with interest, directly to them until the loan is paid off. It works cleanly when the seller owns the property free and clear, and that explains why it's uncommon. Most sellers still owe a mortgage of their own and need the sale proceeds to pay it off and fund their next purchase, so they simply can't carry paper for you. Finding it takes legwork, because no MLS filter flags "seller will finance." The most reliable route is a well-connected local agent who knows individual owners and their situations. The sellers who tend to say yes fit a profile: often older, non-owner-occupant landlords with a highly appreciated, low-or-no-mortgage property, who like the idea of collecting a steady monthly check as a lender instead of dealing with tenants. Many owners who fit that profile don't realize seller financing is an option, so it can be worth having your agent pitch the idea to the right seller. If you want to learn the mechanics, there's legitimate educational content out there, including creators like Pace Morby. Be aware that free material of this kind often funnels toward aggressive sales calls for paid courses. Take the education, skip the upsell.