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What a Puerto Rico Lease Agreement Should Include: A Guide for Independent Landlords

What every Puerto Rico lease agreement should include: essential clauses, rent terms, security deposit, late fees, and mistakes to avoid.

July 13, 2026

Tax Compliance6 min read

Family Loan or Gift? How the IRS Treats Money Lent to Relatives

Lending money to a relative? How the IRS distinguishes a family loan from a gift, why the AFR matters, and how to document it correctly.

July 13, 2026

Mortgage Foreclosure in Seller Financing: What a Private Lender Can Do in Puerto Rico

A guide for private lenders in Puerto Rico: extrajudicial collection vs. judicial foreclosure, and the steps to recover the property after default.

July 13, 2026

Form 6252 for Seller Financing Installment Sales

What IRS Form 6252 is, who files it, and how gross profit percentage and interest are reported when you seller finance a property or business sale.

July 6, 2026

How to Split Rental Income Between Co-Owners

How rent distributions work for property co-owners in Puerto Rico: percentage or fixed splits, deducting expenses first, and automatic or manual payouts.

July 6, 2026

Charge Tenants for LUMA and AAA in Puerto Rico

How Puerto Rico landlords can pass LUMA electricity and AAA water costs to tenants: what the lease must say, how to bill monthly, and how to document charges.

June 30, 2026

How to Raise Rent in Puerto Rico: Landlord Guide

When and how Puerto Rico landlords can raise rent: what the lease and Civil Code allow, how to give written notice, and what the renewal agreement should say.

June 30, 2026

Property Management6 min read

Co-Lender Setup: Seller Financing in Puerto Rico

How families and partners split a seller-financed property in Puerto Rico: co-lender percentages, agreement clauses, and Form 480.7A and 1098 reporting.

June 30, 2026

How to Screen Tenants in Puerto Rico

A practical tenant screening guide for independent Puerto Rico landlords: which documents to request, how to verify income, and what to ask references.

June 22, 2026

Balloon Payments in Seller-Financed Mortgages

How balloon payments work in seller-financed mortgages for Puerto Rico private lenders: the 5/30 structure, what happens at maturity, and how to prepare.

June 22, 2026

What Happens to Your Private Loans When You Die: A Guide for Puerto Rico Lenders

What happens to a seller-financed private loan when the lender dies in Puerto Rico: who collects, documents heirs need, and succession planning.

June 15, 2026

How to Evict a Tenant in Puerto Rico: A Legal Guide for Independent Landlords

A practical guide to eviction (desahucio) in Puerto Rico for independent landlords: legal grounds, notice, filing, and the records courts require.

June 15, 2026

How to Report Private Loan Interest Income to Hacienda in Puerto Rico

How to report private loan interest received on your Hacienda PR return, how it ties to the 480.7A you issue the borrower, and the common mistakes to avoid.

June 15, 2026

Seller Financing to a Family Member in Puerto Rico | Lend.

Practical guide to selling property to a child, sibling, or relative in Puerto Rico using seller financing: deed, CRIM, 480.7A tax forms, and payment tracking.

June 9, 2026

When a Seller-Financed Buyer Stops Paying | Lend.

What private lenders can do when a seller-financed buyer stops paying in Puerto Rico: cure notices, workout plans, and foreclosure steps.

June 9, 2026

Seller Financing Contract in Puerto Rico | Lend.

Private lender guide for Puerto Rico: structure a seller financing agreement, key protection clauses, and manage Form 480.7A from the first payment.

June 1, 2026

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

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

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 (Law 132-2010). What qualifies and how to declare it.

May 25, 2026

Amortization Schedule in Seller Financing: A Guide for Private Lenders in Puerto Rico

How amortization schedules work in seller-financed deals: principal vs. interest splits, balloon payments, and how to track them without spreadsheets.

May 25, 2026

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

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

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

May 11, 2026

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

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

A practical guide to late fees in Puerto Rico rental agreements: grace periods, how to structure an enforceable fee, and how to automate collection.

May 4, 2026

How to Collect Rent with PayPal and Venmo in Puerto Rico

A practical guide for Puerto Rico landlords who collect rent via PayPal or Venmo: advantages, restrictions, and automated payment tracking.

May 4, 2026

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

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

April 20, 2026

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

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

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 Financing9 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, and options.

April 13, 2026

Best Seller Financing Software for Individual Lenders (2026 Comparison)

Compare seller financing software for individual private lenders: Lend. vs ZimpleMoney, HonestDeed, uLoan and spreadsheets. Features and pricing.

April 12, 2026

Seller Financing6 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, late fees, and the tax forms (1098, 480.7A).

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

How to Track Seller-Financed Payments (Without Spreadsheets)

A practical guide to tracking seller-financed mortgage payments: amortization, payment matching, and 480.7A/1098 tax forms for private lenders.

April 9, 2026

Rent Collection6 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 Collection Tools for Small Landlords: A Practical Guide

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

April 9, 2026