@Shelley AltermanI'm talking here with 30 years experienceYou're in Florida and you're an agent and that's awesomeIf you care about protecting the seller I would do a lease purchase versus a lease option and get 5% down and take 3% as a feeI don't know what Florida customary earnest money deposits are, in California earnest money is 3%My advice to you: Create a lease purchase agreement, Florida State lease, and a sale and purchase agreement.To make your seller happy I would take the payment from the tenant buyer and send it directly to the bank if she's out of town, I use www.notecollection.comTo improve the chances of the buyer getting a mortgage I would mandate that they use a credit improvement service like www.upgrademycredit.comIf you leave the buyer to their own devices that won't work on their credit and debt to earnings ratioCredit is very tight right now and you need to find the right tenant buyer has a good chance of getting the mortgage.

@Michelle Shelley hi!

@Keilen Richardson@Keilen Richardson BTW, I think I may know the whole Shelley you’re talking about as we have bought some deals from him and I’ve been very active in Jacksonville, Arkansas.

Thanks,Shelley

@Clint Shelley - hadn't considered this approach, however I'm going to call my portfolio lender today and inquire about the possibility. 

Tom Hanks and Shelley Long would be proud!

@Clint Shelley that is amazing!

@Clint Shelley That would be ideal to convert to HVAC, maybe down the road I'll do it.

@Clint Shelley, I'm building an RV park and am trying to build an operation expense model. 

@Clint Shelley thanks Clint!