I don't see rates dropping, especially if they can't control inflation, which was supposed to be under control, but appears not.

Inflation will more than likely out pace income growth.

. - Capital Gains: Gains from appreciation remain taxed at the capital gains rate, not as ordinary income.

Just trying to find out how to secure remaining 20% for seller

Why in the world would she come off the deed, but remain obligated on the mortgage?  

Other equally contributing factors you want to consider is the properties positive cashflow, asset appreciation over time, debt service paydown over time, as well as hedging your dollars against inflation - all of which make real estate such a great investment especially when you have the right property!

Just like a junior mortgage, the senior gets priority and remaining balance would then go down the order of priority.hope this makes sense.Note; I recommend reviewing this with an attorney as well as I am not one. 

With a land trust, the legal ownership remains with the trust, helping to avoid triggering the DOS clause when transferring beneficial interest rather than title.

The seller remains personally liable on the note while no longer owning the property securing the note.2.

The U.S. is forming more households than ever, and that trajectory will likely remain the same due to population growth.​​