The transfer tax thing is interesting.Like most everyone else I would expect it to be on the purchase price like any other sale.The only thing I can see is that maybe you are arguing that since the old liens stay in place you are only transferring the interest beyond those.

He argues that the economy goes through short-term and long-term debt cyles.

Now, since Steven disclosed to both the survivor and the investor that he was licensed, but would receive no payment in the form of a commission, and that he was acting independently, does Steven still owe the ABC Brokerage a commission of his profit?

You could argue that one scenario is better than the other, but I've seen this work both ways.

They will argue it is faster and less expensive but this is very rarely the case.

The seller initially insisted they wouldn't owner finance, but it's hard to argue with terms like you're suggesting.

        My primary lender, call them ABC Mortgages, contracts with BCD Appraisers, to handle all of their appraisals.  

Again, either way, I don't know how anyone can argue that a buyer should still go forward or take a wait and see approach.There are simply too many good companies that have their games together to put up with this type of result.  

I would even argue that this is not a good goal to have in general given the tradeoffs most have to make in the pursuit of what our culture values; the dual achievement and consumption lifestyle while trading off other things that arguably are much more important in pursuit of happiness, health, wealth, and the self-actualization goals of autonomy, mastery, and purpose.  

How we structure our deals is a company - say abc investing - is owned by two parties, our company and the investor (or their company if they choose) and abc investing is the one buying properties and taking out loans.