Owner Financing Homes & Land in Detroit, MI
Buy directly from the owner and pay them over time — no bank, no traditional mortgage. Includes seller financing, contract for deed, subject-to, and wraparound deals.
Be the first to find owner financing deals in Detroit — new listings post regularly.
No owner financed homes and land in Detroit yet
Sellers list creative-finance properties every day. Browse everything available in Michigan, or list your own Detroit property free.
~$2,427/mo$310,000Owner Financing · $15k down · 3 bd · 3 ba · 1,993 sqft
Des Moines 3-Unit | $15K Proposed Down | Seller Financing
686 34th Street, Des Moines, IA
Down$15kRate9.25%Term30 yr
~$8,096/mo$830,000Owner Financing · $75k down · 4 bd · 4.5 ba · 3,785 sqft
Owner Finance-12381 Lakeview Rd Sperry, OK 74073
12381 Lakeview Road, Sperry, OK
Down$75kRateOn inquiry
~$6,500/mo$650,000Owner Financing · $100k down
Land in Henryetta, OK
18699 Grayson Boulevard, Henryetta, OK
Down$100kRateOn inquiry
~$798/mo$89,000Owner Financing · $8k down
Land available in North Luther near Waterloo Rd.
13000 Antelope Road, Luther, OK
Down$8kRateOn inquiry
~$798/mo$89,000Owner Financing · $8k down
Land available in North Luther near Waterloo Rd. (copy)
13000 Antelope Road, Luther, OK
Down$8kRateOn inquiry
~$2,079/mo$215,000Owner Financing · $21.5k down
12.58 Acres Near the Lazy E Arena
4050 E Camp Drive, Guthrie, OK
Down$21.5kRateOn inquiryTerm15 yr
~$1,783/mo$179,900Owner Financing · $17.9k down
15 Acres - Harrah - Tract 1
Martin Road, Harrah, OK
Down$17.9kRateOn inquiry
~$1,783/mo$179,900Owner Financing · $17.9k down
15 Acres - Harrah - Tract 2
Martin Road, Harrah, OK
Down$17.9kRateOn inquiry
~$1,664/mo$172,000Owner Financing · $17.2k down
9.7 Acres Near the Lazy E Arena
4050 East Camp Drive, Guthrie, OK
Down$17.2kRateOn inquiryTerm15 yr
~$347/mo$35,000Cash $35kOwner Financing · $3.5k down
1.01-Acre Lot in Guthrie, OK — Seller Financing
7778 Emerald Oaks Cir., Guthrie, OK
Down$3.5kRateOn inquiryTerm20 yr
~$365/mo$36,860Owner Financing · $3.7k down
3.88 Acres - Tecumseh, OK - Wooded
Lot 31 Brandy Lane, Tecumseh, OK
Down$3.7kRateOn inquiryTerm20 yr
~$665/mo$66,410Owner Financing · $6k down
6.9 Acres - Tecumseh, OK - Wooded
Lot 30 & 31 Brandy Lane, Tecumseh, OK
Down$6kRateOn inquiry
~$292/mo$29,550Owner Financing · $3.0k down
3.02 Acres - Tecumseh, OK - Wooded
Lot 30 Brandy Lane, Tecumseh, OK
Down$3.0kRateOn inquiry
~$1,394/mo$130,000Owner Financing · $10k down · 3 bd · 1 ba · 987 sqft
Owner Finance-3601 Parkwoods Ln Midwest City, OK 73110
3601 Parkwoods Lane, Midwest City, OK
Down$10kRateOn inquiry
~$1,825/mo$160,000Owner Financing · $10k down · 3 bd · 2 ba · 1,389 sqft
Owner Finance-3113 Mockingbird Ln, Midwest City, OK 73110
3113 Mockingbird Lane, Midwest City, OK
Down$10kRateOn inquiry
~$1,500/mo$150,000Owner Financing · $7.5k down · 2 bd · 1 ba · 832 sqft
Home in Midwest City, OK
515 East Ercoupe Drive, Midwest City, OK
Down$7.5kRateOn inquiry
~$1,019/mo$98,593Owner Financing · $6k down
8.96 Acres - Noble, OK
Tract 12 - Rolling Oaks Estates, Noble, OK
Down$6kRateOn inquiry
~$1,002/mo$97,035Owner Financing · $6k down
12.94 Acres - Noble, OK
Tract 10 - Rolling Oaks Estates, Noble, OK
Down$6kRateOn inquiry
~$564/mo$56,980Owner Financing · $5.7k down
4.96-Acre Lot - Noble, Oklahoma
Tract 25 - Rolling Oaks Estates, Noble, OK
Down$5.7kRateOn inquiryTerm20 yr
~$1,002/mo$97,035Owner Financing · $6k down
12.94-Acre Lot - Noble, Oklahoma
Tract 10 - Rolling Oaks Estates, Noble, OK
Down$6kRateOn inquiry
~$564/mo$56,980Owner Financing · $5.7k down
4.95-Acre Lot - Noble, Oklahoma
Tract 26 - Rolling Oaks Estates, Noble, OK
Down$5.7kRateOn inquiry
~$1,870/mo$175,000Owner Financing · $15k down · 3 bd · 1 ba · 1,130 sqft
Owner Finance-12 NE 66th St. Oklahoma City, OK 73105
12 Northeast 66th Street, Oklahoma City, OK
Down$15kRateOn inquiry
~$1,496/mo$140,000Owner Financing · $10k down · 3 bd · 1 ba · 1,115 sqft
Owner Finance-4773 SE 28th St. Del City, OK 73115
4773 Southeast 28th Street, Del City, OK
Down$10kRateOn inquiry
~$2,392/mo$225,000Owner Financing · $10k down · 3 bd · 2 ba · 1,200 sqft
Owner Finance-1904 NW 7th, Oklahoma City, OKC 73106
1904 Northwest 7th Street, Oklahoma City, OK
Down$10kRateOn inquiry
Buying with owner financing in Detroit
Owner financing lets a buyer purchase a Detroit property without a traditional bank mortgage. Buy directly from the owner and pay them over time — no bank, no traditional mortgage. Includes seller financing, contract for deed, subject-to, and wraparound deals.For buyers who can't — or don't want to — go conventional, it's often the fastest path to owning real estate in Michigan.
On The Creative Marketplace you see the full deal up front — down payment, monthly payment, and terms — and contact the seller directly. We're a marketplace, not a lender or broker; always have a Michigan title company or attorney review a creative-finance contract before signing.
Other ways to buy in Detroit
Owner Financing in other Michigan cities
Owner Financing in Detroit, MI: FAQ
- How do I find owner financed homes and land in Detroit?
- Browse the listings on this page — each one shows the down payment, monthly payment, and full terms up front, and you contact the seller directly. New Detroit listings post regularly on The Creative Marketplace, so check back or save a search.
- Is owner financing legal in Detroit?
- Yes. Owner financing is a legal way to buy real estate in Detroit and across the U.S., but the exact rules and buyer protections vary by state. Always have a Detroit title company or real estate attorney review the contract and confirm clear title before you sign.
- How much down payment do I need for owner financing in Detroit?
- It's negotiable — that flexibility is the whole point of owner financing. Down payments commonly range from roughly 5% to 20% or more depending on the seller and the property. You'll see each seller's asking down payment right on the listing.
- Do I need good credit to buy with owner financing in Detroit?
- Often not. Because you work directly with the seller instead of a bank, owner financing deals in Detroit are usually more flexible on credit than a traditional mortgage — though every seller sets their own terms.