Personal Circumstances: Consider your comfort level with debt and risk.

If it is someone you know you can give them a straight return as if its a loan - can provide a lower interest rate to provide upside - it really depends on the lender and what are they concerned with and what is their risk profile. 

It also is heavily full of risk. 

If you put the house in her name and you have siblings or other folks who would have a claim as a direct heir on her estate, you run the risk of losing the property to another heir. 

In SubTo, the bigger risk is on the seller.

I'd like a Seller carried note to cover the down payment for my hard money loan. 

My goal would be to build an investment net with passive income, de-risking the fact that I am the only earner.  

@Carrie Matuga I thought you might be interested in this thread.

If we can complete projects faster, we increase IRR and build trust.3) Market Risk- The longer it takes to complete a project, the more exposed you are to market fluctuations.This goes for all things Real Estate - BRRRRs, Flips, New Builds, Rehabs, etc.Real Estate is a wild ride I feel your pain, I've had this happen many times where the project is twice as long.

Do you mind sharing the name of that type of loan/lender that allows you to have the seller carry on a second position?