The terms sheet, priced from your own numbers
Lesson 2 of 6 · Terms without trouble
1 · Learn the move · Recipe pattern
Terms widen the buyer pool to everyone who cannot pay cash, and they turn a sale into an instrument with a rate, a schedule and a default path. Each of those is a place the model will overreach, so the recipe fixes the inputs and the output shape. Every term slot (price, down payment, rate, term, balloon, fees, servicing) is filled only from what you give it, and a missing slot reads [NEEDS: your figure]. The payment is set up as a formula and handed to your calculator, never multiplied out in the chat, because compound amortization done by a language model is a wrong number with a confident face. It never suggests a price or a rate, even when you ask whether yours is reasonable: rate limits and consumer-credit rules are counsel's call. And the gate holds here as everywhere in this area. A seller-financed note to an individual buyer can be a lending-licence matter, so the sheet is a draft for counsel's review and never a statement that the structure is compliant.
Structure a seller-finance terms sheet from my numbers only. Fill each slot from what I paste; missing slots read [NEEDS: my figure]. Set the payment up for my calculator; do not compute it. Do not suggest a rate or price, do not pick the legal instrument, and do not say the structure is compliant. [my price, down, rate, term, fees, servicing plan]
2 · Your turn. You write the prompt
You are selling parcel 17-0442-010 in Callow County. You have settled on $34,500, $3,500 down, 10% interest, 84 monthly payments, no balloon, and a $15 monthly note fee. You have not decided on a late charge or whether to service it yourself, and you want to know if 10% is 'normal.' Write the prompt that gets you a clean terms sheet without a computed payment, a suggested rate or a compliance promise.
Write the prompt for this scenario as given, or swap in a real one from your own work. The score works the same either way.
Remember: the AI sees only your prompt, not this page. If the situation isn't in your prompt, it doesn't exist.
Optional. These shape the output when you run your prompt below, not your score.