The biggest reason to carry a mortgage on any (and every?)

But I also always said the same thing- "who is buying the homes from Nicole and how long is she carrying them??"

You can also look at doing a commercial loan (5+ units)... they will sometimes allow you to have a seller carry as part of the down payment... get 70% from the primary lender (bank) and have the seller carry a 25% 2nd position note.

@James Destef for the deal I was first asking about one of my private lenders ending up carrying the whole loan for us. 

If they need cash flow, ask them to carry as much of the note as possible (up to 100%) for as long as possible. 

(I've used credit cards in the past but vendors typically don't want those fees...)What are my options for paying them in a timely manner without incurring fees? 

Fraud consists of some deceitful practice or willful device, resorted to with intent to deprive another of his rightin some manner to do him an injury.

You can probably clear enough doing that over the next couple of months to cover the payments on the owner-carry note.By the end of the summer, if you work reasonably hard, you should have a lot worth a fair bit more than the raw land you started with.

They are "contractor grade," and both carry a ten year warranty.

It is usually to evaluate a lease/option or owner carry.