we only did private notes back in the day.. and never thought twice about DOS. 

I started my career as a commercial banker a long time ago, but have been an independent mortgage broker for nearly a decade.

It's the concept of buying the debt attached to the mortgage rather than buying the house. 

I'm a mortgage lender and investor located in St.

A mortgage lender can help determine if refinancing or tapping into equity might allow you to acquire additional properties.Consider a 1031 Exchange: If you're open to selling a current property, a 1031 exchange can defer capital gains taxes while enabling you to upgrade to a larger or more profitable asset.

After those sources are RE agents, mortgage brokers, friends and family.  

Personally, I bought a 3 bed single family home soon after starting my job and had two friends from college rent which covered my mortgage plus a little extra.

It’s a great way to grow faster.HELOC or Equity Tapping: If you have equity in another property, using a HELOC or cash-out refinance could help cover the down payment without affecting your DTI as much.Seller Financing or Creative Deals: Look for sellers willing to finance directly, which bypasses traditional mortgage qualification hurdles.Scaling quickly often involves combining strategies—play around with what works best for your goals.

They do not want the other person's name on the deed or the mortgage once the dirvorce is finalized.   

I have broken down 4 key benefits to a retirement account: 1) Compounding interest in the absence of taxation (particularly with a Roth IRA) 2) Ability to self-direct into alternative assets, like real estate, private real estate partnerships/syndications, crypto, gold & silver and other alternative investments. 3) Credit protection (see state specific laws), but generally inherent protections. 4) Upon death, if setup properly, probate avoidance