@Terrence Bayly it sounds like you found out the hard way that working with the right LO is absolutely critical to your success. 

I did some checking and lo and behold the A seller had died the day after the sales contract had been signed.

I have a JV partner on my first note, and lo and behold I have offers to JV with others already for my next notes.

Here is a link that you can use to verify that your CPA is licensed within the state of Connecticuthttps://www.elicense.ct.gov/Lo...

could help REIs close far more subject to, owner financing and LO deals (while getting many referrals) if they simply do things DIFFERENTLY, than the 'direct mailers,' phone 'cold callers,' and 'sales type' door knockers, who drive these poor (about to loose their house) home owners, into their shells.

Thank you A LO familiar with investment property loans will still be able to use the rental income to offset.

Like I said in my prior post, if you're uncomfortable with the cash flow at the max LTV, have your loan officer help you optimize the loan amount to get you to a certain mortgage payment where you're comfortable on the cash flow side.If you don't already have a solid LO, @Upen Patel would be a good connection for you to do financing in Maryland.

Did the LO talk to you about home possible instead of FHA? 

I'm a LO working at a mortgage broker in Orange County and many of our lenders have pulled their HELOC products since COVID-19 has started.

If home is free and clear and the owner doesn't want to do a L/O, would it be a wrap?