A lot of people don’t realize this, but in addition to real estate agents selling stuff, they are also being sold, every brokerage, every title company, even lenders, have courses on literally scripts, how to build out your social media, how to find fsbo listings etc, truth is none of these are effective, pretty much the only way to be a successful agent is either ton of ad spend or the hard work of meeting people in person through events meetups etc, but brokerages make money by head count, even title and lenders are happy if you close a few deals a year with them, so they sell this stuff to agents who than use those scripts on you, it’s a whole prymond scheme lol

Aloha Todd, You'll want to talk to your lender about this. 

The seller will obviously hold the debt/note for the existing mortgage while the title gets transferred to me.

She has a private lender that's been working with her & husband for some time now .

The advice, negotiation, referrals to inspectors, lenders, contractors, lawyers, title companies, etc.

There isn’t much to be made in terms of commission so many loan officers don’t want to mess with them, and any loan is going to have fees associated with it of course…how high the lender’s fees are and how low the loan amount is will factor into whether or not that loan is compliant and can pass as a qualified mortgage. 

That property now rents for $1,600/mo and helps to supplement our mortgage.

Back when the bank was paying 0.01% and mortgages were 4% you could offer 4%.

It would help pay part of the mortgage but in the end, decided not to do it.

I am looking for a lender that can do this.