Make sure to provide clear disclosures to the seller about the risks involved, especially regarding the existing mortgage staying in their name.Insurance Considerations – You’ll need to work with an insurance agent who understands sub-to deals, as the lender might require a policy that keeps the seller as the named insured.Due-On-Sale Clause – While banks rarely call loans due, it’s still a possibility.

Or are you planning to purchase the property in the US, outright with a loan from your stocks in Canada? 

i fyour getting paid off when the vertical loan goes on.. then your in first position . so not sure what the issue is? 

I want to be able to do a cash deal to get a lower price and avoid all the cost that go along with a lot loan, fees, points, etc.

Some are on septic and well systems and not regular water and sewer.The more you go suburban to urban core with upgraded construction the more the cap rate tends to drop but generally better loans available for well located assets and a strong tenant.Without knowing expected proceeds from the exchange, if you will add additional funds to the down payment, what purchase price you are wanting, what area of the U.S. with cold belt versus warm belt states, etc. it is hard to comment further.

Went on to purchase additional rentals so tenants can pay down the loan and I build equity How did you find this deal and how did you negotiate it?

Banking has changed. 30 years ago, you could walk into my bank, chat for a while, shake hands, and leave with advice or a loan check.

Context:I’m seeking advice from those experienced in real estate investing and financial freedom strategies.I recently bought a multi-family property in Newport, RI, using my VA loan for $695K.

5% down federal loan How did you add value to the deal?

The Norris Group has a hard money ADU loan, but it's short term (3 years).