In this proposed situation, you would have neither positive cash flow nor appreciation (since the "buyer" would get that).

I have contractors, agents and a complete proposal for finance.

You would think that if the bank stands to lose more via a full foreclosure than a short sale deal you are proposing they would jump at the opportunity, however, that isn't necessarily the case.

I know sometimes you really have to show them in a full analysis why your proposal beats theirs.

They will end up being sold as HUDs or in some way like HUDs.Do you have a link or anything about this proposal?

Once or twice they transferred the money to my account on or about closing day and I paid by certified funds check written against my account.This does not negate your proposed strategy.

if they do, what kind of loan do i ask for or do i make an investment proposal to them ?

Jon, I'm not sure if the "language barrier" ;) is preventing me from making myself understood, or whether this type of arrangement really is unknown in the USA (which would surprise me).You mention an "investor", but I'm not proposing having an option to purchase as part of the arrangement.

Although that amount won't really pose any great financial burden for us if we don't rent it out, we plan on doing so.Before choosing this particular piece of property, I did some calling around to various rental management agencies to see what the proposed rate would be in that area for a 1BR/1BA if they were to do this service for us.

I don't want to sound like a fool proposing terms that are way off nor do I want to be taken through the cleaners by the owner and pay through the nose.Thanks!