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Practical guides for landlords and private lenders in Puerto Rico and the US.

Seller Financing7 min read

How to Structure a Seller Financing Contract in Puerto Rico

Practical guide for private lenders: what to include in a seller financing agreement, essential protection clauses, and how to manage Form 480.7A from the first payment.

June 1, 2026

Property Management7 min read

Security Deposits in Puerto Rico Rentals: A Practical Guide for Landlords

What every independent landlord in Puerto Rico needs to know about security deposits: how much to charge, how to hold it, and how to return it correctly.

June 1, 2026

Rent Collection7 min read

ACH Bank Transfer for Rent Collection in Puerto Rico: Landlord Guide

How ACH direct bank transfer works for independent landlords in Puerto Rico. Setup, processing times, failed payments, and automatic tracking explained.

June 1, 2026

Tax Compliance7 min read

Is Rental Income Taxable in Puerto Rico? The Residential Rental Exemption

Long-term residential rental income in Puerto Rico can be exempt from PR income tax through 2040 under Law 132-2010 (as amended by Law 66-2025). What qualifies, what is excluded, and how to declare it correctly.

May 25, 2026

Rent Collection7 min read

Collecting Rent via Venmo and PayPal in Puerto Rico: A Landlord's Guide

Can landlords in Puerto Rico collect rent through Venmo and PayPal? Yes — here's how to track those payments automatically and keep your records clean.

May 11, 2026

Property Management7 min read

How to Self-Manage Rental Properties Without a Property Manager in Puerto Rico

A practical guide for independent landlords in Puerto Rico: payment collection, invoice tracking, late fees, and lease renewals without paying a property manager.

May 11, 2026

Seller Financing8 min read

Selling a Business With Seller Financing: A Practical Guide

How to structure, track, and tax-report a seller-financed business sale. Form 8594, Form 6252, 1099-INT, and PR Form 480.6A explained for individual sellers.

May 11, 2026

Rent Collection7 min read

Late Fees in Puerto Rico Rental Agreements: A Landlord's Guide

A practical guide to late fees in Puerto Rico rental agreements. Grace periods, legal context, how to structure an enforceable fee, and how to automate collection with Rent.

May 4, 2026

Rent Collection7 min read

ATH Móvil Business vs Personal: Which to Use for Rent Collection in Puerto Rico

A practical guide for Puerto Rico landlords: key differences between ATH Móvil Business and Personal, legal requirements, and how to automate rent payment tracking.

April 20, 2026

Seller Financing8 min read

Private Lending Laws Puerto Rico: What You Need to Know Before Offering Seller Financing

A practical guide to Puerto Rico private lending laws for individual property sellers: required docs, interest rate limits, Form 480.7A, and staying compliant.

April 20, 2026

Rent Collection7 min read

How to Collect Rent with Zelle: A Practical Guide for Independent Landlords

A practical guide to Zelle rent collection for independent landlords — setup, limitations, Zelle vs Venmo vs ACH, and how to track Zelle payments automatically.

April 13, 2026

Property Management7 min read

How to Renew a Lease Agreement in Puerto Rico: A Guide for Independent Landlords

A practical guide to renewing a lease agreement in Puerto Rico: when to renew, what to include, how to negotiate with tenants, and how to document the signing.

April 13, 2026

Seller Financing7 min read

Personal Loans Between Individuals in Puerto Rico: How to Document and Collect Them Correctly

A practical guide to documenting and collecting a personal loan between individuals in Puerto Rico. Promissory notes, payment plans, options if the borrower stops paying, and how to avoid conflicts.

April 13, 2026

Seller Financing9 min read

Best Seller Financing Software for Individual Lenders (2026 Comparison)

Compare seller financing software for individual private lenders: Lend. vs ZimpleMoney vs HonestDeed vs uLoan vs spreadsheets. Features, pricing, tax form support, and which tool fits your situation.

April 12, 2026

Seller Financing8 min read

Owner Financing Payment Tracking: The Complete Guide for Individual Lenders

How to track owner-financed mortgage payments as an individual lender. Amortization, payment methods (ATH Móvil, Zelle, ACH), late fees, tax forms (1098, 480.7A, 6252), and the tools that replace spreadsheets.

April 12, 2026

Tax Compliance8 min read

Seller Financing Tax Forms: Do You Need to File Form 1098? (Complete Guide)

What tax forms do you need for seller financing? Form 1098 (IRS), Form 480.7A (Hacienda PR), Form 6252 (installment sales). Who files, when they're due, and how to generate them automatically.

April 12, 2026

Seller Financing6 min read

How to Track Seller-Financed Payments (Without Spreadsheets)

A practical guide to tracking seller-financed mortgage payments. Amortization schedules, payment matching, 480.7A and 1098 tax forms — and the tools that replace spreadsheets for individual private lenders.

April 9, 2026

Tax Compliance7 min read

Form 480.7A Guide: What Private Lenders in Puerto Rico Need to Know

Everything you need to know about Form 480.7A for Hacienda de Puerto Rico. Who files it, when it's due, what information is required, and how to generate it automatically.

April 9, 2026

Rent Collection6 min read

Rent Collection Tools for Small Landlords: A Practical Guide

A no-nonsense guide to rent collection tools for landlords with 1-5 properties. Compare DIY methods, property management software, and purpose-built tools for independent landlords.

April 9, 2026

Seller Financing8 min read

Owner Financing vs Traditional Mortgage in Puerto Rico

Sold your home with seller financing in Puerto Rico? Compare owner financing and bank mortgages — amortization, Form 480.7A tax reporting, and payment tracking for private lenders. No bank license needed.

April 9, 2026