Rare Opportunity: Four Auto Businesses on a Rezoned East Bay Parcel, Seller Financing at 3% Over 40 Years

The part that makes this rare

A forty year seller note at 3%, on land that is already entitled for housing.

The seller is carrying well over half of the purchase price at 3.00% interest, amortized over forty years with an eight year balloon. A forty year amortization on a seller note is unusual on its own. At 3% it puts the monthly payment on that balance at a level a small business can cover without the deal depending on a refinance.

The second half is the land. Most redevelopment sites are bought on the hope of a rezoning. This one has already been rezoned for high density residential at up to 86 units per acre, which on a parcel of this size is a meaningful count. You are not buying an entitlement fight, and you are not carrying dead land while you wait for one, because the businesses on site are paying the note in the meantime.

Four ways this parcel earns

An auto dealership, an auto repair service, an auto body shop let to a tenant, and a towing company. Four operations sharing one site, one owner and one set of fixed costs, with parts and vehicle inventory included in the sale.

The seller has represented the property as carrying no debt or liens, subject to verification in title and diligence. The exact net operating income, the full debt structure and three years of statements are in the package behind the agreement.

At a glance

What we can show you before you sign.

Industry	Automotive sales, service, body and towingFour operations under one ownership
Location	East Bay, CaliforniaExact market disclosed after NDA
Purchase price	$3,000,000
Real estate	Included in the priceRoughly two thirds of an acre on a commercial artery
Zoning	High density residentialAlready rezoned, up to 86 units per acre
Seller financing	At 3.00%, forty year amortization, eight year balloon
Seller note payment	Year one
Down payment to seller	Cash at closing
Existing debt and liens	None representedSeller represented, to be verified in title
Current monthly NOI
Monthly cash flow after debt
Inventory included	Parts and vehicles, approximate
Seller stated real estate value	Seller's own figure, contingent on appraisal
Earnest money	Contingent upon appraisal

The business

Four operations, one lot, one owner.

The site runs a used vehicle dealership alongside a full repair shop, with an auto body operation let to a tenant on the same parcel and a towing company working out of the yard. Each line feeds the others. Cars come in on the hook, get repaired or reconditioned, and go back out through the lot, and the body shop tenant pays rent regardless of how any of that trades in a given month.

It sits on a main commercial road with the frontage and the paved area that an auto use needs, in a dense part of the East Bay where that combination is getting harder to replace. Parts and vehicle inventory transfer with the business.

Revenue has grown in each of the last three years, with 2025 the strongest. The 2023, 2024 and 2025 profit and loss statements are all in the package.

Where the upside is

Two exits, and you do not have to pick one on day one.

This is the unusual case where the operating business and the land are both live. The businesses cover the debt service while you decide, and the zoning is already in hand rather than something to apply for.

Hold and operateFour automotive lines under one roof with a seller note at 3% behind them. The cheapest capital in this deal is the seller's.
Build the housingHigh density residential entitlement at up to 86 units per acre, already granted. On a parcel this size in this market that is the whole value add, and it does not need a hearing.
Split the twoThe body shop is already a tenant. The rest of the site can be leased, sold or wound down independently of what happens with the land.
Formalise the tenanciesMultiple operations on one parcel under one owner, with the rental side handled informally. Documented leases at market lift the value of the real estate on their own.
Verify the land valueThe seller puts the real estate alone at close to the level of the whole purchase price. The offer is contingent on appraisal, so that gets tested rather than assumed.
Buy it with the structure, not with cashThe seller carry sits behind first position financing, and the modelling in the deal deck runs the entry with the assignment fee and closing costs financed rather than paid in.

Who this fits

This one wants a buyer who can see both halves.

Automotive operators. Four related lines already running on a site with the frontage and the paving they need. The work here is management, not a turnaround.

Infill developers. Entitled density on a commercial corridor, with an income stream carrying the site until you are ready to move on it.

Buyers who want cheap paper. 3% over forty years from the seller, on well over half the price. That is not available from a lender.

Land bankers with patience. An eight year balloon and a business paying the note gives you a long runway to work out what this parcel is really worth.

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