And maybe individual lenders use tax returns not because they "need" them, but just to qualify a borrower.So - the only points I am making here are:1.

Thanks for sharing your perspective—it’s definitely insightful, and I understand where you’re coming from.While I get that partnering with one exclusive buyer might limit your potential profit on individual deals, couldn’t there be value in the consistency and reliability of working with a cash buyer who provides specific leads/addresses and is always ready to close on those deals?

The system in my multifamily building is that we have individual fire alarms in bedrooms and kitchens of each unit - those alarms are not wired to the central system.

Each of those things individually can be done at one lender or another, but knowing if it can be done at a single lender is the difference between someone who knows what they are doing vs someone just quoting interest rates. 

Bottom line - All hype, bs, misinterpretation, opinion bias, etc aside, sellers willing “owner finance” the sale of their property for one reason - and one reason only: They PERCEIVE that they are getting a higher price for their property by owner financing than by a cash (cash to them) sale.The “perceive” part is why buyers can sometimes structure terms ridiculously one sided in their favor - because some sellers are so focused on PRICE they become oblivious to anything else.It’s why I and numerous others have been able to structure 20 year owner financing loans at ZERO interest; why sellers have accepted “substitution of collateral” that gave them a lien on recreational land I had rather than their own income producing property; why sellers accept second position liens and allow buyers to obtain new first mortgages ahead of theirs (subordination), and why sellers always accept mortgages without my personal guarantee.I myself sell properties and provide owner financing to obtain a higher price.

Once the investor understands these three FOUNDATIONAL aspects of real estate investing, they can comprehend the creative and wealth building techniques and strategies and successfully apply them to individual deals.  

As a landlord and property manager, I've taken numerous calls from people who needed a place to rent ASAP because their landlord sold the house they were in out from under them.

I have listened to NUMEROUS episodes Of LLD. 

@Patrick RobertsDeficiency attachs to the individual - then record it in the county and it attachs to assets.

In July, the U.S. commercial real estate market experienced mixed results, with property price gains slowing, particularly among individual investors.