Subject to sales were a lot more popular when interest rates were 15% +( 1979-1983), there were no “due on sale” clauses, and few real estate transactions were occurring.However, there are still some benefits to the seller in particular situations if (1) the seller understands and accepts those risks and (2) certain safeguards are utilized to modify some of those risks.A few possible seller motivations for selling subject to1.

Note in a decent appreciation market I may accept this cash flow return but I would still need to have leverage to magnify the return.  

The seller may or may not be willing to accept one as they are not free and clear from their mortgage until the buy-out.

When our offer was accepted the listing realtor contacted us and said the previous owner had a 'VA Vendee' loan which was some kind of special loan from the VA.

I was wondering if anyone knows of loan products out there that are beginning to look at or accept this income for DSCR?

Your agent represents you and needs to know what's going on, and they can usually glean some extra details from the MLS and/or a phone call to a listing agent prior to making said offer, and advise you accordingly.Furthermore, no listing agent worth their salt is going to tell you, "sure...my buyer will accept an offer of X amount".

Accountants are in such demand, that the best are not even accepting clients half the time.The other problem I see often with accountants on here is that they specialize in larger investors, and have really high prices when you as a smaller investor do not need all the bells and whistles.Another thing I see is folks thinking they need to have a tax professional in their state.

Many DSCR loans come with standard 2-3-5 year Pre Payment Penalties, borrowers usually have the option to 'buy out' of these penalties upfront with points or by accepting a higher interest rate.

In high demand areas, more regulation can actually be a good thing in an STR sense - it means that they've accepted that STR's are going to be a significant part of the area and have established a process for how people can do them legally.

New York state requires landlords to accept cash as payment.