What type of financing allows the seller to participate in the financing of a property?

The installment land contract is a financing arrangement where the seller retains ownership of the property while allowing the buyer to take possession and pay for the property over time through a series of installment payments. This type of financing is particularly beneficial in situations where buyers may not qualify for traditional loans or want to avoid immediate large down payments.

In an installment land contract, the seller effectively acts as the lender, allowing them to participate directly in the transaction. This arrangement can also benefit the seller, as they may achieve better financing terms by agreeing to provide credit directly to the buyer and can potentially receive interest on the payments made over time.

The other financing options listed do not typically involve the seller directly participating in the financing process. A bridge loan is used for short-term financing during transitions, a conventional loan is a standard mortgage from a financial institution where the borrower takes full ownership, and an FHA loan is backed by the government and similarly does not allow for seller participation in the financing structure.