I have an opportunity to take over mortgage payments from a seller for their remaining mortgage where I would be on title, but not the loan.

I work in property management so many of the people on my referral list are brokers, mortgage loan officers, and leasing agents. 

I currently have a mortgage and HELOC. as well as 70K debt. 

Where I'm at it works almost like Ebay... you bid online, and you have to have 5% deposited into a bidding account.  

Currently, we are at 12.75% interest with 3 - 5 points on the loan origination end; we haven’t been able to locate any existing mortgage notes we can buy of similar quality with ROI even equal to that.  

I've been searching online for trying to find a loan servicing company that provides the services in Florida.

I do this now and we rent each room for $850 and $800 = $1650 a month, this pays my mortgage.

High interest rates make the costs of the construction loans very high (~10% at a bank) and with mortgage rates so high, there is little buyers out there which could lead to long holding times.  

We want to learn seller finance, subject-to-, wrap-around mortgages, ect.

Refinanced with a $75,000 mortgage in 2014 and made my pockets bigger by about $40,000.