So when I structure my offers to the sellers I usually go with no down payment, and terms that are good for both parts(at least in my opinion), the seller and the future buyer.The thing is that so far I have not been able to get a single contract from any seller.

I like commercial because there is not as much competition for it.You can structure a deal more creatively and there are more different types of lender loans than for residential.Residential is highly regulated by the government now.Commercial I don't want the government messing it up as well and squashing creative financing.I like commercial for economies of scale and ramping up larger transactions.You can make money in residential it is just not my thing.I like retail and multifamily.Medical will be hot for many decades to come as well with the boomer generation retiring.I don't care much for industrial but I am seeing some transition areas where a developer takes an industrial shell of a warehouse leasing at 2 sq ft.They put improvements in and get rezoned to mixed use retail and get 15 sq ft lease rates.

What I am looking for is to put together an initial letter to him ( and his wife) that lays out (the easiest way) these deals are structured.

All they were doing, building reserve campaigns, new reo offices and administrative structure, it all alluded to a swap program, build xyz reserve, dump xyz reo's.

Are you confident that the firm will structure the offering properly to be both legally compliant and marketable?

This is typically structured as two separate agreements.

Sure you have paid down the note some but the higher interest rate on refi could make your debt service payments higher than before.It's easy to get into an property but sometimes much harder to get out of one.You have to think and plan for worse case scenario when structuring these deals.Many of these owner finance deals are going under the radar.I have already had some bankers tell me in the future they will call these as interest rates rise because of the DOS clause.So in my opinion it is an excellent time to load up on owner finance as long as the down payment and terms are right.

How can I attract buyers for this and how should I structure the deal?

Excuse my ignorance Peter, but what is a structured product?

There was a reverse mortgage on the house and I need help on how to structure this transaction.The current LTV based on a appraisal performed by the current lien holder is about 56%.