Looking to purchase land directly from a seller and they have assured me that they own the land outright and also advised me that I can confirm their ownership with the local county.

New Bank Loan Traditional Subject To Take Over Existing Loan - has already been paid down some Purchase Price $400,000 $332,196 (Take over existing loan) Down 20% $80,000 $10,000 To Seller Loan Amt $320,000 $332,196 (Take over loan) New Loan Payment Rate 7.75% $2,293 $1,465 Take Over Payment Rate 3% Difference $828 Your Savings per month Other $0 $0 other Loan Origination Fees 2% $6,400 $6,400 Your Savings On Loan Fees Closing Costs $3,500 $3,500 Closing Costs Cost for length of Loan $825,307 $490,512 Your Cost for length of Loan $334,795 Your Savings over Life of the Loan Using Bank Cost to acquire $89,900 $13,500 Using Us Cost to acquire $76,400 Your Savings Just By Buying Using Subject To Total Savings $411,195 Your Savings Total w/Subject To

You can possibly seller finance it to her and then she can refinance when her finances are in line 

In the last 18-24 month's I have gone through at least 100 MFH "deals" where sellers/agent's swore it was such a great "cash-cow" and quick to supply the PnL's to prove, and to there credit that is what they showed.... but, but, BUT....

I have seller with the following situation:$240,000 single family house$165,000 balance due on mortgage ($159k balance + $6k in past due pmts)$950/month (PITI) is the current mortgage payment @ 3.875%$1,400/month Market RentIf the seller listed the property, they would walk away with roughly $60k after commissions.

There seems to be a lot of property with good bones in need of some primarily cosmetic updates, but I have little knowledge of the market/demand in the area.

Atlanta's real estate market is ripe with opportunities, characterized by its diverse neighborhoods, steady influx of new residents, and a strong demand for housing.

In the HUD statement should state the agent's name under the seller's expenses.2.

I'm interested in connecting with someone who has done a subject-to deal in South East Idaho in the last couple years.I'm under contract to buy a house where the sellers were pretty "motivated" to sell. 

That should be done before renegotiating with the seller.