I'm selling my real estate note. The payor had a huge down payment, does this matter?

Yes.

It matters a ton!!!

You sold your real estate. Your borrower put down a huge down payment.

Congrats.

Your note will be much more valuable to a note seller because of the large down payment your borrower paid you when you sold him the real estate.

The cash down payment from the borrower is his "blood" in the deal.

The more blood he has in the deal, the more motivated he will be to keep the property. I like motivated payors on the real estate notes I buy.

A person who put a large down payment into the property, will incur a large
degree of uncomfort if they are thinking about not making their note payment.

Motivated payors keep their note payments current and up to date.

Payors who bought the real estate with nothing down, have zero "blood" in the deal.

Nothing down note payors are no different than renters. Actually, a renter has more "blood" in the deal than a zero down property buyer. A renter has to come into the deal with 1st month, last month, and security deposit.

A zero down buyer comes in with zippity doo dah.

A nothing down buyer will sometimes choose to pay his blockbuster or netflix bill before paying his real estate note.

This is not the case with a payor who put down a large down payment.

Bottom line: Get as big a down payment as possible if you are selling your property with seller financing.