(I shoot for 3 month max on flips) Most of my people don't have a mortgage, so subto isn't a thing for them.

I walked to the house and met a man who says he was cleaning out due to the loss of their mother in some few weeks back.The guy told me she is  left with 12 years mortgage on the property to pay the bank.

And of course, if your actual cash value is less than the current mortgage(s) on the property, all of the cash value payment will go to the lenders. 

Which can lead to mortgage fraud, wire fraud and banking fraud. 

If you have a buyer's agent, you should have already signed a buyer's representation agreement and that fee/commission is disclosed in that document so you should very well know what that charge will be.If you were the seller and going to owner finance the property, what would you want to see from the buyer that tells you that they will be able to pay the mortgage moving forward. 

HML is the same as getting a mortgage from a regular lender such as a bank or credit union, but the HML does not require as much documentation and they provide money really fast say, within a few days. 

Income would be from hunting dues and timber harvesting, expense would be conservation management, taxes, and the mortgage.

@Holly Thorsen see above for potential challenges tapping your equity in the rental.You only need 5% down for a regular mortgage, 3% down for an FHA mortgage - so why don't you have the funds?

In theory it would be wonderful to get mortgages at 3.5% down and search for value-add deals to near break even on cashflow after year 1-2, banking on appreciation from a highly-leveraged investment in a growing economy.

How many of those government, (none military) jobs (including contractors) own homes with a mortgage on it in the D.C.