In Gary Keller’s book, Shift, he lists 25 creative options that are most common, but barely scratch the surface:- Seller Contributions- Seller-Funded Permanent Buydown- Seller-Funded Temporary Buydown- Owner Financing- Contract For Deed- Seller Second Lease Option And Lease Purchase- Seller-Assisted Down Payment- Wraparound And Assumable Mortgage- Gift Funding- Selling And Refinancing Existing Assets- Non-Occupied Co-Borrowers- Using 401(K)- Temporary IRA Transfer- Pledged Asset Mortgage- Equity Transfer And Bridge Loan- Employer-Assisted Mortgage- Lender-Funded Buydown- Fannie Mae’s “My Community Mortgage”- Running Scenarios With Automated Underwriting Systems- Adjusting Amortization Period To Lower Payment- Adjusting Interest Rates To Cover Closing Costs- State, Province, And Local Grant Or Bond Programs- Mortgage Credit Certificate- Private LendingHe said these options barely scratch the surface.

Buying sub to also has risk especially if the property is being sold at an inflated price due to the sub to which is the case on properties that have not sold for an extended period of time.  

There is traditionally no waiting period for a rate/term refinance.

.- Address buyer's concerns with reputable local professional and expert evaluations and written estimates.For example if the deck needs to be repaired or replaced, during the contingency period I'll attempt to have at least 1-2 licensed contractors provide written estimates.

And if anyone thinks I do not know the market there was a period of a few years where I entered virtually every 2 to 4 unit property for sale on mls in my market.  

You could read 100 books and still not know enough because certain things must be learned through trial and error.

Sellers need to provide certain records, as  requested as part of the contract within a due diligence period.

The DOS has a very short time period to cure.The guy who bought sub to, no longer owns the property.

-Using the city water bill, it's an issue at move-in and move-out to prorate usage since the tenancy won't line up with the billing periods.

Period.