@Chris Seveney's suggestion could be a really good solution depending on the numbers. 

I would never advise my customer to take a 5 YPPP considering we are have been moving into a downward trending rate market since 2024. 3 Year Prepay Max but if you plan on doing renovations or taking cash out on the ARV then a 1-2 YPPP would be Max.I would also advise buying the rate down before you decide to take a 5 YPPP using seller credit, equity or closing funds.

I have worked with the closing team, renovation team, the property management team, and the customer service department.

I am simply trying to offer a solution that is fair to both parties that allows the property to stay in the family.The biggest problem is they are having trouble refinancing the property due to credit balances.

It creates its own Vortex of customers. 

Like any financing strategy, due diligence and proper financial planning are key to making it a successful solution for both parties. 

Learn about the seller, their goals, their pain points, etc... then present solutions to their problems. 

I don't see any reason why this wouldn't be an acceptable solution.

Because the gutters usually a better solution at much lower cost.

This is especially useful for off-market deals, where the seller may be more open to creative solutions if they need to sell quickly but don’t want the hassle of a bank process.✅ House Hacking – How to Live for Free While Building WealthHouse hacking is where you buy a property with multiple units, live in one, and rent out the others to cover your mortgage or generate additional income.