However, the home is owned free and clear and I would like to propose seller financing instead as an alternative.

A loan proposed in a state where 12% is usury with 9.0% interest plus 4% in fees, 2% to a broker and 2% to a lender over 12 months is usury and the rate is considered 13% not 11% since that is all that goes to the lender.

First of all, how would anyone propose to know what is in the contract?

If you were to structure this lending you proposed as a secured loan, you would be the second position lender.

It looks like the perfect fix and frankly less expensive then some of the other proposals.

I would like to propose a deal to the landlord, AVR for this home would be 30,000 but the home may need 15,000-20,000 in repairs for it to be appraise for that,i would like to offer the landlord 9000 for the home , please keep in mind my mother doesn't have a lease she is on a month to month ,these are all guesstimates numbers, but im sure im not that far off, how do i offer put this deal together.Please keep in mind im a newbietereal

I am proposing that we pour a 480 sq ft addition and the numbers work great even on the low side.

I've been using Elance for years and I've been able to find a web master and a VA on the site who I still work with on a regular basis (overall, I've probably used Elance for 15+ projects)...the site makes it very easy to track time, hire, view proposals, and pay your contractors.

Here is a sample proposal:1.

The last house I sold in December, the buyer showed up the day we were pouring concrete and didn't like the way we curved the sidewalk and driveway, even though it followed the proposed site plan that she had signed.