Seller financing regulations vary significantly by state, and we've prioritized the highest-volume markets first. Here's what we've built:

Currently supported (covers 72% of transactions):

• Texas (25% of market): Property code requirements, homestead protections, specific disclosure rules

• Florida (12% of market): Mortgage foreclosure vs. land contract distinctions, homestead exemptions

• California (9% of market): Civil Code 2956-2967 requirements, SAFE Act compliance for 1-5 properties

• North Carolina (6% of market): Installment land contract regulations, foreclosure timeline requirements

• Georgia (5% of market): Security deed vs. mortgage distinctions, power of sale foreclosure rules

Top most-requested feature:

Document e-signing (coming Q3 2026)

Generate promissory note, sign electronically with buyer Legally binding, timestamp verified, stored permanently, Eliminates the printing-signing-scanning dance Probably Docusign integration to start, native later

Why agents might recommend Cova:

Makes seller financing transactions smoother

Your clients are better organized and less likely to screw up compliance