They initiated their own haircut so the banks would foreclose, sell them and the hoa’s got new paying owners.

Lifetime warranty and transferrable with sell of home. 

Whereas homes are selling rapidly, indicating a strong demand and a vibrant market.  

Which is my dilemma of selling or keeping.

Find out what the seller's motivation is to sell. 

Howdy,I do owner finance and am dipping my toe in selling off partials, simply to grow the business.

However, it demands strategic and cautious handling.The advantage lies in accessing capital without selling existing investments, but the risk involves putting your primary residence on the line if you can't meet the loan obligations.A HELOC should not be your primary choice, as it carries more risk than a traditional mortgage with higher interest rates.Considering your stable income and disciplined approach to investing, focus on saving for the down payment.

Many people are not going to want to sell their home because their 3% rate is gone pecan and now it will be in the high 6's or 7's.

They may be aware of a motivated homeowner willing to sell their property and offer owner financing.

Or should I sell in the near future?