I've been reading more about subject to and here's what I've learned:-Good for sellers who are off market-Have low to no equity-Have a mortgage with a low interest rate (less than 5%)-Be absentee or out of state (vacant property, or have a tenant)The buyer would then take over the mortgage payments, and have the seller sign the deed over to the buyer.

The seller then can sue YOU!.

These people have been labeled as "motivated sellers."

He is open to seller finance with 0% interest.

What are the benefits and drawbacks of buying a seller financed home?

The seller has the two lots legally separated, but due to deed restriction imposed by the subdivision development, found that building a house on the “tennis court” lot was not allowable. 

Bottom line, make it so that you never need the seller again after the transaction is closed.

Issue is, in these "bad" deals the government comes after the lease option seller for predatory lending practices and the eviction / foreclosure process is a nightmare.

I'm enjoy the challenges of finding creative solutions through the numbers and negotiating what can work for both the buyer and seller. 

I’m not sure how you swing this.