West York is a small, dense borough on the western edge of York City — compact, walkable, and built mostly of early-1900s rowhomes and twins. Here's how its size and housing stock shape a 2-4 unit sale.

Hanover is one of York County's larger boroughs, with a dense older housing stock and a stable working economy — both of which shape how a 2-4 unit prices and sells. Here's what an owner should know before listing or selling directly.

When you carry a note, the IRS generally lets you recognize the gain as you collect it — not all in year one. For an owner facing a big one-year tax hit, that gain-spreading can be the real reason to seller-finance. Here's a plain-language worked example.

Almost every mortgage has a due-on-sale clause — and it's the quiet risk behind subject-to and wraparound deals. Here's what it actually means, how often lenders enforce it, and why it matters before you sell a rental with the loan still on it.

"Subject-to" and "wraparound" deals get hyped in creative-financing circles. Here's a straight, honest read on what each actually is, the narrow cases where they fit, and the real risks — including the due-on-sale clause — that make them the wrong tool for most sellers.

When a seller carries the financing, the rate is one of the most negotiated numbers in the deal. Here's how to think about a fair seller-carry rate in 2026 — where the floor and ceiling sit, and how rate trades against price and term.

If you're carrying a note on a rental sale, the term sheet is the whole deal. Here's the plain-language anatomy of a typical seller-financing term sheet on a 2-4 unit — what each line means, what's negotiable, and the protections that keep the seller covered.

A full-cash sale feels like the obvious win — but for some 2-4 unit owners, carrying a note beats it. Spreading the tax, converting a lump sum into monthly income, and earning interest on the balance can net more over time. Here's the practical math behind the preference.

Land contract and seller financing both let an owner sell a rental without a bank in the middle — but they hand the buyer and seller very different protections. Here's the practical difference on a York County 2-4 unit, and how to tell which structure fits your situation.

The deal closes, but a few documents stay important for years afterward — especially at tax time. Here's the short list of records every rental seller should keep after closing, and why each one matters.

Closing day sounds bigger than it is. In Pennsylvania it's usually a 30-60 minute meeting at a settlement company. Here's exactly what happens — who attends, what gets signed, when the money moves, and when the keys transfer.

The agreed price is rarely what you walk away with. The settlement statement is where the price becomes your actual net — payoffs, prorations, transfer tax, and credits. Here's the seller's side, line by line.

On a financed small-multifamily purchase, the lender screens for environmental risk. On York County's older brick stock that usually means oil tanks, lead paint, and a short list of property-age flags. Here's what gets looked at.

When a buyer uses financing, an appraisal stands between the agreed price and the loan. Here's what an appraisal actually measures on a 2-4 unit, what it can't capture, and when a low number is worth challenging.

Much of York County's small multifamily stock predates 1950, and older properties carry title quirks newer ones don't. Here's what tends to surface on long-held and inherited buildings, and why age alone raises the odds of a flag.

Before a rental changes hands, a title search confirms you can actually convey clean ownership. Here are the five things it most often turns up on a York County 2-4 unit, and how each one gets cleared before closing.

Three good units and one problem unit — a vacancy, a non-paying tenant, a gutted apartment. Here's how a buyer prices around that one unit, and the choice a seller faces: fix it first, or price it in.

An estoppel is a one-page document where each tenant confirms the facts of their tenancy — rent, deposit, lease dates, no side deals. Here's why a buyer asks for them and what to do when one comes back wrong.

Selling your rental? The real question isn't whether — it's which problem you're solving. A honest decision framework for York County landlords.

A 2-4 unit rental's sale price depends on two different comp datasets — rent comps for the income side and sales comps for the value side. Here's what each tells you, where to find them in York County, and how they combine into a defensible sale price.