I have personally not worked on any of these but it does not seem to be anything too crazy.It's an FHA Loan that can be combined with other FHA products like a 203k.I am a Loan Officer for "Correspondent Lender" so I can operate under the rules of over 100 lenders...I would be able to place this in a few hours with 1 email...We would just have to make sure all the boxes are checked...Energy Efficient Improvements Must Be Cost-EffectiveThe financed portion of an Energy Package must be cost-effective.

No servicing function yet but the loan origination and CRM are pretty darn good!

They could use the search function and find the answer. 

Part of the reason I want to flip is A) make something functional and useful again and B) use the artistic side of my brain to create beauty.

The buyer definitely owns the property, otherwise it is not owner financing, it is some sort of lease or option or a combination of the two.

If you bought 5 properties with $300,0000, they all need to be throwing off a total combine of 20% return to get that $5,000 (as the example above shows), to get that expense coverage for your ability to leave your job. 

The likelihood of all of these occurring is low in a typical subject-to transaction. its why way back in our day we did these with wraps CA has a debt instrument called an All inclusive Deed of Trust it wraps the orginal mortgage it is a second in function my dad had a company called CA wrap back in the day and did hundreds of them.. its de ja vu all over again.. he did this during the Carter interest rate spikes just like sub too is now coming to light in a big way because of interest rate spikes.. 

It might be a combination of stocks, bonds, mutual funds and alternative assets.  

There are some out there that teach how to best use a combination of marketing types.

If the other houses you own have no loans could you stack all their combined monthly rental income to pay off the remaining $120k mortgage before you retire?