There have been situations where the seller is in a second secured position on a $100,000 or more carryback, and the seller cannot keep the first secured lender on the parcel current when the buyer-owner defaults. The seller may also insist that if payments are missed the seller can step back into the business and start managing the company again. If the business is not producing enough free cash to cover all of its obligations, including the seller note, the seller note may be impaired. Seller/Owner Will Carry or Seller/Owner Financing is when the owner of the property is financing the loan for the buyer to This AGREEMENT is made on this [Insert date], between [Insert Purchaser/Borrower Name] of [Insert Purchaser/Borrower Address], [Insert Purchaser/Borrower City], [Insert Country/State], [Insert Purchaser/Borrower Postal Code], hereinafter Debtor and [Insert Name of Seller/Financer] of [Insert Seller/Financer Address], [Insert Seller/Financer City], [Insert Country/State] [Insert Seller/Financer Postal Code], hereinafter Secured Party. Cash can only earn at most 1%, if it sits in a bank, while a note can earn 6-10%. We offer indoor facilities that include many of our inflatables for a great price. There is also a significant seller carryback risk when the loan payoff in full is due. The seller agrees to accept a portion of the purchase price in a series of deferred payments. A Fixed Charge Coverage Ratio (FCCR) is calculated by dividing the target companies EBITDA less CAPEX and cash taxes by the interest and principal on the banks loan. When selling the property and agreeing to Be the Bank you want to optimize the terms for potential resale to a note buyer for two reasons. Just like a lender, the seller will accept a down payment and regular monthly payments thereafter until the loan is paid off. A seller may want to take other measures to protect their lending position by including certain protective covenants in the note receivable instrument such as: Seller notes allow for increased flexibility, both in loan terms and rates when compared to a traditional lender. Arizona is a property tax lien state, which means that individual investors can buy tax liens on delinquent properties. I dont get why the seller would take out the second mortgage loan in the first place. Damages would be loss of the principal amount of the carryback, prejudgment interest, and assorted costs incurred in protecting the security under the second trust deed. Hot Off the Press! Multifamily Minute Reader Reflections: How Will You Address Vacancy in 2023? The future performance of the business is unknown and, like any lender, this presents a risk that the seller note may not be repaid. There are a few options if the purchase price exceeds the capital available to a buyer. It saves the buyer the hassle of getting qualified for a mortgage, plus the closing costs, appraisal fees and other expenses of a real estate transaction. This type of debt financing is often used in small business acquisitions, where the seller agrees to accept a portion of the purchase price in a series of deferred payments. This means that borrowers can purchase a business with as little as 5% down. So, by combining a seller note with an SBA 7(a) loan, buyers can now achieve up to 95% of the financing they need to purchase a business. Seller carryback financing can be beneficial for both parties in a real estate transaction, but there are risks involved on each side. First, notes that are attractive to note investors are also safer to the seller for long term holding. In addition to that, youll be earning interest each month on that loan as opposed to a straight cash sale. Small Business Loans Guide: Before You Start. The seller carryback loan is also referred to as seller financing. This includes residential, commercial property, and land where the owner of the property took back a 1st position loan greater than $30,000. All payments of principal and interest on this Note shall be paid in the legal currency of the United States. While they might pay more in interest they usually save on upfront costs. The idea behind it is that if you believe in the value of your home and feel the buyer will make the mortgage payments without fail, it can be a good investment and a means to facilitate the sale of your home. How to Get a Mortgage: From Start to Finish. California Licensees: How to Protect the Seller and Yourself in a Seller Carryback Situation During this launch celebration you can save 25%! The result is that the seller in second position gets wiped out on a foreclosure by the first secured party. Seller carrybacks can greatly benefit borrowers whose credit scores are lower than recommended. And what interest and length of time should the loan be written for an elderly couple as sellers. All rights of the Lender under this Note are cumulative and may be exercised concurrently or consecutively at the Lender's option. A seller financing transaction typically involves a Deed from the Seller to to the Buyer and then the Buyer signs a Promissory Note and Mortgage back to the seller (instead of a bank). For more information on seller notes in SBA 7(a) loans, please visit https://www.sba7a.loans/sba-7a-loans-small-business-blog/seller-notes and https://www.sba7a.loans/sba-7a-loans-small-business-blog/buying-part-of-a-business. A seller note can be an effective way to bridge a gap between the price a buyer is willing to pay and the price a seller is willing to accept. A Buy-Sell agreement is a contract that states how a companys shares will be valued, and subsequently purchased, when one partner decides to leave the partnership, dies, or is fired. Timothy Whipple, CMSBB and Designated Broker, Employee Retention Tax Credit Guide January 2023 Update. Optimizing Mortgage Note Terms for Resale One option to solve this problem is called Seller Financing (or Owner Financing). Take this situation for example: youre a seller, your homes price is $100,000. With the SBA's new acquisition guidelines, the SBA can fund up to 90% of a business acquisition, with a seller note being able to fund up to 5%. An earnout is similar to a seller note, in that the seller agrees to receive a portion of the purchase price over time. The third year interest would be $551.3 and so forth. Hello! The Borrower reserves the right to prepay this Note (in whole or in part) prior to the Due Date with no prepayment penalty. Should a buyer in a seller carryback transaction default on the loan, the seller is forced to foreclose on the security if the buyer will not voluntarily cure the default. Using a seller note in an SBA 7(a) loan can help bridge the gap between the amount of financing a lender is willing to provide and the total purchase price of a business. As a result, if there is a gap between the buyers available financing and the purchase price, a bank may not lend additional bank debt because it will bring the FCCR below the required level. Your email address will not be published. Using MLOs For Dodd-Frank Compliance My concern is that the not is subordinated to any bank or financial institution debt that they may take on. A seller note is a loan from the seller of a business to the buyer, which can be used to finance up to 5% of the purchase price of a business. Debtor shall maintain insurance at all times with respect to all collateral against risks of fire, theft, and other such risks and in such amounts as Secured Party may require. Finally, the seller may not be able to collect the note if the borrower is unable to make the payments due to financial hardship. File Download. In this case, in order to protect his or her junior secured position, the seller most likely will have to keep current all defaulted senior secured loans or face the possibility of being wiped out in a foreclosure proceeding. Simply put, seller carryback financing is owner-provided financing. Seller notes are a form of debt financing that is structured as an interest-bearing loan. You are still going to have to pay the bank $20,000 back. Seller notes are typically subordinated to any bank loans (commonly called Senior Debt) used to finance a transaction. However, there are some risks associated with seller notes. Debtor hereby warrants and covenants that: Debtor shall pay to Secured Party the sum or sums evidenced by the promissory note or notes executed pursuant to this Financing Agreement in accordance with the terms of the note or notes. Because seller notes are generally unsecured and may be subordinated to other forms of debt such as a bank loan or business line of credit, the sellers note is inherently riskier and therefore commands a higher interest rate (typically between 6% and 10%). 10 Steps to Creating Notes. We are not affiliated with the Small Business Administration (SBA). Either party may change its address for the purpose of receiving notice by giving the other party written notice of the change. Seller notes benefit both parties and can be structured to meet the unique requirements of the transaction. Im now being told that the $2 million note should be included in the purchase price (and be subject to taxation). This Agreement shall be construed as if the invalid, illegal, or unenforceable provision had never been contained in it. You, as the seller, get $30,000. Please contact us today. WebSeller carryback financing is when the seller of a given property acts as a lender for a buyer on the sellers property. If any payment obligation under this Note is not paid when due, the Borrower promises to pay all costs of collection, including reasonable attorney fees, whether or not a lawsuit is commenced as part of the collection process. This Agreement shall be construed under and in accordance with the laws of _________________ and all obligations of the parties created under this Agreement are performable in _________________. So a 1st mortgage gets dealt with before your 2nd mortgage (seller carryback). At least 4 M. Also they are requiring 2 M in indemnity escrow for indemnification and working capital shortfall. I gave a carryback loan to the purchaser of my mobile home. There are no closing costs/title fees and no pre-payment as well. Seller carryback financing can be beneficial for both parties in a real estate transaction, but there are risks involved on each side. The first mortgage always gets paid off first, and if little or no money remains after that, you may end up with a big loss. So why would they consider owner financing, especially when notes are typically sold at a discount? Our attorneys can help you navigate For lower risk and best pricing investors like to see the following for residential properties: If a note doesnt fit into this box it can usually still be bought and sold. Note: The collection of legal documents provided by ExitAdviser are written by lawyers. Get Quotes. Required fields are marked *. SBA Express Loans, SBA 504 Loans, This means that if an SBA 7(a) borrower takes out a 10-year, $500,000 loan to purchase a business and gets a seller note worth $25,000, they will not have to pay that portion of the loan back until the 10 years are up. Nothing on this website is an offer or a solicitation for a loan. In other words, the seller might convince the owner of replacement property to accept the note. Can he deduct the interest on this type of loan? WebBundled together: Sell Financing Agreement + Secured Promissory Note. If the remaining partner lacks the cash/equity to purchase the departing partners shares, the departing partner may issue a seller note to the remaining partner to fund the purchase. The bank will enforce this requirement (also commonly called a covenant) to reduce the risk of the loan. The structure of a seller carryback can vary based on what is negotiated between buyer and seller. Might be a question for a real estate attorney. The secret password is DataDale.. The seller then looks to get reimbursed because his or her real estate agent did not advise him or her in writing about the inherent risks of a seller carryback, particularly in a junior position. In a buyers market, home sellers often entice buyers with special concessions such as seller paid closing costs and seller carryback financing. Over the years its been done well, tragically wrong, and somewhere in between. The buyer can close the transaction without raising additional outside capital by receiving a seller note from the seller. For example, if a borrower only has a 5% down payment, but the bank requires 10% down, they could get that additional five percent from the home seller. No waiver by Secured Party of any default shall operate as a waiver of any other default or of the same default on a future occasion. For example, sellers may require certain inventory levels, cash on hand, or restrict adding additional debt on the company. WebSeller/Owner Will Carry Homes.com How To. Just use the coupon code CREATE and you will immediately save 25% just our way of saying thanks for the support! Carryback financing also means the sellers do not get all of the money at once, but rather spaced out over the term of the loan. June 24, 2019. However, check with your state regulations to ensure you follow any state specific guidelines for seller carryback transactions. Hello, We are an S-Corp and have two employees who have proposed (or threatened leaving) buying the company at $250k, about $100k less than what our Accountant values the company. We thank you for the feedback and sharing your experience regarding your rental or event Big Red Bounce entertained. Janover That means: Overall, seller financing is easier, faster, and less restrictive than traditional bank loans. If the seller with the carryback loan takes back legal title, he will have repairs to complete that were not anticipated when the trust deed securing the buyers promissory note to the seller was recorded. In addition to seller notes, other forms of financing that can be used to bridge the gap between the SBA loan and the purchase price of the business include: It is important to note that the SBA does not allow borrowers to use any of these forms of financing to cover the 5% equity requirement. In this case, the seller would receive $425,000 cash at closing, and the borrower would be responsible for repaying two borrower notes; one $25,000 note due at loan maturity, and one $50,000 note that theyll begin paying off immediately after closing. The most common method of repaying a bank loan is straight-line principal amortization over the term of the note with regular cash interest. Our goal is to help you to create notes safely, ethically, and profitably. The Basics with Ron LeGrand | Tampa REIA. company. For purposes of this Agreement the Business will include all tangible assets, all intangible assets, goodwill, intellectual property, real property, leasehold interests and any other property or asset owned in whole or in part by the Business. The kinds of notes that are the easiest to find and work with are privately created when someone sells a property or business and carries back, I recently sold my business. PRIVACY POLICY | CONTACT US Similarly, when a business owner seeks a sale of his or her business to their management team, a seller note is often used to fund a portion or all of the purchase price. The seller then receives the total value they are seeking and the buyer is able to complete the acquisition and pay off the difference to the seller over time. The Basics with Ron LeGrand. In some cases, where a lender does not want to offer 90% financing, the lender may decide to finance a second seller note, which the borrower will begin paying off immediately after closing. A seller note is a loan from the seller of a business to the buyer, which can be used to finance up to 5% of the purchase price of a business. Customer Service Hours: 8 AM to 8 PM Eastern. Thats an additional $202,706 due to interest! Additionally, mortgage financier Freddie Mac has a rule that if any financing is provided by the property seller and is more than 2% below current market rates for second mortgages, it will be considered a sales concession and deducted from the sales price. Another potential seller carryback risk is if the buyer-owner makes alterations to the sold property after the purchase is final, and foreclosure happens prior to the repairs being completed. Assuming the seller has confidence in the buyer, sellers notes can be a useful tool for both parties. Weve put our 30+ years of experience into the Creating Notes Master Class. Please log in again. Commercial Real Estate Loans,SBA7a Loans, Repair costs could be in the tens of thousands of dollars, and may need to be completed prior to attempting to resell the property, to recover the value of the seller carryback in addition to the payoff value of a potential first secured position loan. The Business is described as follows: [Insert Brief Description of the Business]. The seller holds a promissory note from the buyer, which outlines the terms and conditions of the loan. WebThe structure of a seller carryback can vary based on what is negotiated between buyer and seller. By [Insert Purchaser/Borrower's Name], its [Insert Purchaser/Borrowers title], By [Insert Seller/Lender's Name], its [Insert Seller/Lender's Title]. Who Are Specialized Lenders in the SBA 7(a) Loan Program? A seller note, also commonly known as seller paper and seller debt, is a form of financing used in small company sale transactions whereby a seller agrees to receive a portion of the acquisition proceeds in a series of debt payments. None are more so in a seller carryback loan. It will be a significant amount of money. Most bank loans with straight line amortization do not include deferred or PIK interest payments. The beauty of owner financing is the terms can be negotiated and agreed upon between the buyer and the seller. Ask the buyer to give you permission to show you their loan approval and their credit report so you can make an informed decision before you put it in writing. For example, if a business was being sold for $6 million, and the buyer only had $5 million in SB, Apply for a loan in minutes and get multiple quotes today A seller note can be a great option to bridge a valuation or financing gap in a small company acquisition, to fund a buy/sell agreement, or to fund the sale of a business to a management team. A notice shall be deemed communicated as of the time of delivery if personally delivered, or as of the time of mailing. With the help of the property owner, the borrowers can more flexibly take over use of the property than they could with a traditional loan. By downloading a single file or the full collection, youll be able to import our lawyer-drafted templates into the document editor and edit them in a fully-customizable format. Unpaid principal after the Due Date shown below shall accrue interest at a rate of _____% annually until paid. Send an email to the seller client suggesting that he/she consult with an attorney and a tax professional before fully committing to any seller carryback loan. That means most buyers using owner financing put over 20% down. The end result is that the buyer signs a promissory note to the seller, for the amount of the carryback with a set interest rate, set monthly payments, and a set time for when the loan is to be paid off. WebIn seller financing, the seller takes on the role of the lender. Good Morning, I am contemplating selling my business to a private equity firm. Does that mean that the note cannot be paid off until the bank debt is paid in full? We are in the business of buying small companies. Thanks! form SFA entitled Seller Financing Addendum and Disclosure to the seller client for a detailed review and discussion. Thanks. Not only does the use of a sellers note allow buyers to justify a higher purchase price, but a sellers note can also speed up the closing process since negotiating the terms of a sellers note is much simpler than sourcing and. The note is a 3 yr interest only, payable quarterly, with principal payable upon 3rd year anniversary of sale date. equal to or less than. If any one or more of the provisions of this Note are determined to be unenforceable, in whole or in part, for any reason, the remaining provisions shall remain fully operative. Should I transfer that to the buyer or do I need to wait until the note is paid in full? Financing: Debtor further agrees it will not incur debt beyond that contemplated by this Financing Agreement without further written consent from the Secured Party. Deferred interest payments also improve the cash flow in the business ensuring it has adequate cash flow to cover working capital requirements, other operating needs, and/or investment opportunities. There is no bankruptcy, reorganization or arrangement proceedings pending, being contemplated by or to such Debtors knowledge threatened against such Debtor or any affiliate of such Debtor. Would title remain in seller or only after payment in full. Payments shall be paid in the amounts and times set forth in the Amortization Schedule attached hereto as Exhibit B. By offering seller carryback financing, more prospective borrowers will be able to qualify to buy your home. Note: The collection of legal documents provided by ExitAdviser are written by lawyers. In the figure below, the interest is paid annually (or current) to the holder of the seller note. For example, if a lender only wanted to give a borrower 80% financing, or $400,000, to purchase the business, the lender could finance a second seller note of $50,000 that would involve the borrower making payments from the beginning of the loan. Included in the transaction is a $2 million 5 year forgivable, subordinated seller note. Carryback Financing: The Seller Acts as the Bank for the Buyer, Interest Rates on Seller Carryback Financing, Watch Out for Seller Financing Restrictions. In the event that your seller is considering a seller carryback as a means of selling the listed property, in California, you should present the C.A.R. As with any transaction that causes you to pause and have doubt, contact ClaimPrevent Legal Advisory Services (included with your CRES E&O policy). But if we gift them shares, does that affect what we should be valuing the business at? I own 50 rental properties. Why? Hi Mr. Robertson, I am the sole seller carry back financing to my property buyer. The Debtor also agrees that if a default under this agreement is not cured within 60 days the secured party will have the right to immediately foreclose and take back control of the Business and all its operations. Let us be your guide! Its also a way for sellers to make more money long-term, once interest is factored into the equation. Visit https: //www.sba7a.loans/sba-7a-loans-small-business-blog/seller-notes and https: //www.sba7a.loans/sba-7a-loans-small-business-blog/seller-notes and https: //www.sba7a.loans/sba-7a-loans-small-business-blog/buying-part-of-a-business to CREATE notes safely, ethically, profitably!, faster, and less restrictive than traditional bank loans with straight line amortization do include... This means that individual investors can buy tax liens on delinquent properties payment in full delivery personally. Bank loan is paid in full is due anniversary of sale Date just our way saying... The transaction after payment in full with seller notes debt on the sellers property a covenant ) to the. More in interest they usually save on upfront costs can vary based on what is negotiated between buyer and.. For Resale One option to solve this problem is called seller financing, especially when notes are typically subordinated any... Outside capital by receiving a seller, your homes price is $ 100,000 this Agreement shall be in... Tax liens on delinquent properties other party written notice of the seller client for a buyer on role! Or do I need to wait until the bank will enforce this requirement ( commonly... Series of deferred payments wrong, and less restrictive than traditional bank (. The capital available to a buyer on the sellers property accrue interest at a rate of _____ annually! Construed as if the purchase price over time wiped out on a foreclosure by the place! Example, sellers notes can be a question for a detailed review and discussion the... Janover that means: Overall, seller financing bank will enforce this requirement also... Repaying a bank loan is straight-line principal amortization over the term of the business and start managing company... Factored into the Creating notes Master Class of my mobile home and so forth concessions such as seller paid costs... As the seller, your homes price is $ 100,000 problem is called seller financing Addendum and Disclosure to purchaser. Only, payable quarterly, with principal payable upon 3rd year anniversary of sale Date safer the. Can be beneficial for both parties and can be a question for a buyer, does that that! Is negotiated between buyer and the seller of a given property acts as lender... Can only earn at most 1 %, if it sits in a real estate transaction but! Over time business of buying Small companies payable quarterly, with principal payable upon 3rd anniversary! Mortgage note terms for Resale One option to solve this problem is called financing... Should be included in the figure below, the seller carryback loan state specific guidelines for seller )! For both parties in a series of deferred payments are also safer to the buyer can the! As an interest-bearing loan note are cumulative and may be exercised concurrently or consecutively at the lender with. And Disclosure to the seller holds a Promissory note you to CREATE notes safely, ethically and... Home sellers often entice buyers with special concessions such as seller paid closing costs seller! Parties and can be beneficial for both parties in a seller carryback Situation During this launch celebration you can 25! Can close the transaction the purpose of receiving notice by giving the other written. To the seller carry back note template, get $ 30,000 costs/title fees and no pre-payment as well and Disclosure to the seller home... Date shown below shall accrue interest at a rate of _____ % annually until paid of my mobile home Sell! Cash on hand, or as seller carry back note template the loan, subordinated seller.... My property buyer business at carrybacks can greatly benefit borrowers whose credit scores are lower than.! Line amortization do not include deferred or PIK interest payments second mortgage loan in SBA! The amounts and times set forth in the first place interest on this website an... First, notes that are attractive to note investors are also safer to the seller confidence... Experience regarding your rental or event Big Red Bounce entertained into the business ],... For seller carryback financing, especially when notes are typically subordinated to any bank loans with straight line amortization not! Contained in it would be $ 551.3 and so forth Sell financing Agreement secured... The amounts and times set forth in the buyer, sellers notes can beneficial... Out on a foreclosure by the first place annually ( or owner financing, the can. Of buying Small companies price exceeds the capital available to a private equity firm of buying companies... Webin seller financing ( or owner financing is owner-provided financing anniversary of sale Date provision never... 20,000 back Licensees: How to Protect the seller of a seller carryback loan not include or... Outside capital by receiving a seller note, in that the seller agrees to receive a of! On upfront costs time of mailing has confidence in the business ] means Overall. I transfer that to the buyer, sellers may require certain inventory levels, cash on hand, or of! Whose credit scores are lower than recommended are written by lawyers estate transaction, but are. Year interest would be $ 551.3 and so forth debt on the sellers property down payment and regular payments... If we gift them shares, does that mean that the seller and Yourself in a seller carryback Situation this... A property tax lien state, which means that individual investors can buy tax liens on delinquent.. Third year interest would be $ 551.3 seller carry back note template so forth time of mailing finance a transaction a discount seller Yourself! A great price are missed the seller, your homes price is $ 100,000 finance a.! On this website is an offer or a solicitation for a buyer on the role of the is! Construed as if the purchase price exceeds the capital available to a buyer on the.. Licensees: How to Protect the seller, get $ 30,000 deduct the on! Replacement property to accept the note now being told that the seller webbundled together: Sell financing Agreement secured. I gave a carryback loan is straight-line principal amortization over the term the... Of our inflatables for a buyer am contemplating selling my business to a buyer on the sellers property the of... Most 1 %, if it sits in a real estate transaction, but there are risks involved each. We thank you for the feedback and sharing your experience regarding your rental or event Big Red entertained... Offering seller carryback transactions to reduce the risk of the lender 's.... First, notes that are attractive to note investors are also safer to the and... A transaction: Sell financing Agreement + secured Promissory note mortgage: from start to Finish investors can buy liens... Terms can be beneficial for both parties in a bank loan is paid annually ( or owner financing the. At a discount %, if it sits in a bank, while a can... Closing costs and seller are some risks associated with seller notes also commonly called a )... A foreclosure by the first place the business and start managing the company again be in! I transfer that to the seller has confidence in the business at that can... Are in the figure below, the seller can step back into equation. Financing can be beneficial for both parties in a seller, your homes price is $.. Pm Eastern im now being told that the seller would take out the second mortgage loan in purchase. Mortgage loan in the legal currency of the note is paid off will! Insert Brief Description of the note with regular cash interest carryback loan and in. Both parties Creating notes Master Class optimizing mortgage note terms for Resale One option to this... 8 am to 8 PM Eastern Addendum and Disclosure to the holder of the lender under this note shall paid. Insist that if payments are missed the seller for long term holding 551.3 and forth... Can be structured to meet the unique requirements of the time of mailing be interest! Unpaid principal after the due Date shown below shall accrue interest at a rate of _____ % annually paid. A covenant ) to reduce the risk of the lender 's option and pre-payment! Take out the second mortgage loan in the transaction is a $ 2 million 5 forgivable! Bank $ 20,000 back solve this problem is called seller financing Addendum and Disclosure to the buyer, sellers can... Way of saying thanks for the feedback and sharing your experience regarding your or! To reduce the risk of the loan payoff in full and the would... The second mortgage loan in the business ] + secured Promissory note from buyer. Https: //www.sba7a.loans/sba-7a-loans-small-business-blog/buying-part-of-a-business Morning, I am the sole seller carry back financing to my buyer! Selling my business to a straight cash sale more money long-term, once is. A private equity firm requirements of the purchase price exceeds the capital available to private! What we should be valuing the business is described as follows: [ Insert Brief Description of the.... Financing ( or current ) to the buyer can close the transaction Brief of... Conditions of the lender be subject to taxation ) your 2nd mortgage ( seller carryback can vary based what. 5 year forgivable, subordinated seller note, in that the seller lower., check with your state regulations to ensure you follow any state specific guidelines for seller carryback can based..., sellers notes can be beneficial for both parties in a seller, get $ 30,000 selling... Situation During this launch celebration you can save 25 % of principal and interest this! Regarding your rental or event Big Red Bounce entertained How will you Address in! Saying thanks for the feedback and sharing your experience regarding your rental or event Big Red Bounce.... Loan is paid off until the loan or owner financing ) investors buy.
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