Quote from @Rion Manita: Hello BiggerpocketsI'm working on some deals where buyers are trying to stack owner financing with a bank or private lender, what are some strategies to get these across the finish line and or some solid lenders that operate in these capacities that are flexible. thank youWord of warning - everything must be disclosed to all lenders.  

Click on images to enlargeIf you are Looking for Money or Financing for Buying real Estate Property I’d first make a Cash offer to the Owner, then I’d ask about creative financing, then I’d know how much to talk to a Lender about.

In property management, it’s easy to focus your entire operation, marketing, and strategy around owners—after all, they’re the ones entrusting you with their assets.

We can't move cause we are only 6 months into our owner occupied mortgage.

@Jay KeWe’re a Property Management Company (PMC) in Metro Detroit ONLY, with 25+ years of experience, and we’ve seen owners make the same mistakes, over & over again when looking to hire a PMC – which drives us nuts!.

Hey David,Yeah, that’s a tricky one — small HOAs and big repairs are a bad combo because there’s no real buffer between owners and the debt.

Seeing you are the owner and the PM works for you, they should do what you want.  

As owner-occupied, you would be eligible for FNMA or FHA mortgage.

The owner of the property, who I have a good rapport with, has a small mortgage but would be willing to maintain ownership of the property or place it in a trust for the duration of renovation.

Recommend demanding the owner follow California laws regarding handling of security deposit charges & refund or threaten the owner with lawsuit - many states allow double or triple damages against landlords/PMCs that don't properly follow the laws.