That would be so easy and I don't think the IRS would rely on the honesty program.

And to be honest, I am not sure that he wouldn't accept an assign-ability clause, but my agents supervisor told me he probably wouldn't.  

Honesty is the best policy

My house has about 20% equity and i actually doubt it to be honest. I

With all honesty, if I didn't spend that money, I wouldn't have found this place.  

This is more often known as a "silent second mortgage" or using an unauthorized loan to fund the down payment and failing to disclose it to the primary lender, not really what we would consider seller carry so I think it's just a semantics/ difference in terminology thing here.

@Robert Arquilla - I’ll be honest, I just started this strategy so the return has been next to nothing...but you can look at the returns over time for specific funds and gauge.

Thank you all for the input.To be honest, I was a little unsure of how to respond to said listing agent’s reaction and that is why I pointed out that, yes, I do appreciate the concern if in fact that was the case, however, that being said, none of us would appreciate being ruled out of an offer simply based on our gender.It is really wrong to make an assumption that someone is not qualified to buy from you, just based on gender alone.It is for this reason that the Fair Housing Act came into place and what saddens me is that the only way he agreed to a showing was after my buyer’s agent pointed out my military background.I served in the United States Army and it is sad that, my agent needed to bring this up to try to win me a showing.My agent tried to convince this listing agent that if I can handle being in the military and seeing what I saw, living in the “supposed” bad neighborhood was the least of my worries, and it is.I know what I can handle and it just saddens me when people presume just based on my gender that I need something “softer, more secure” or else, I will fail.In the military, my MOS was 62 Bravo, heavy equipment mechanic.I am by no means fragile and incapable of taking care of myself and it is truly sad when a listing agent feels the need to bring up my gender as a pre-qualification for showing a property!

Hello Michael,To be honest I haven't narrowed down what a good niche might be for me.The little knowledge I have is related to self storage and mobile home parks,but I'd like to learn about all types of property.Tom

Honesty is always the best policy to avoid lawsuits.