Together with me on the stage are 2 lenders - a hard money lender and a conventional mortgage lender.

Commercial lease arrangement could be triple net.Straight lease-option can net you an option price from an investor, be prepared to sell later on.Try those options, if they don't work I can get more creative.

I don't know if this deferral will work but make sure you arrange it through your loan officer if it can be.  

hi broderick. sundai is correct. tax sales can be a great place to buy real estate, but the federal leins would still be in place. do your due dilegence. also, this list could be used in a different manner. you have names and addresses. go check out each and every one of these places. find the owners. buy right from the owner before the tax sale. some municipalities actually will let you make a payment arrangement on the back taxes. you find the owner, offer to buy the property for a little cash to them, and assume the back taxes. they do not have to know that you will then be paying those back taxes in a payment agreement with the local tax authority. all you are doing is assuming their obligation which gets them off the hook. you make the payments to your tax authority just like a house payment, and you own a house. you can do whatever you want with it along the way. he again, do your homework. make sure you are not buying someone elses heartache. there may be other leins on the property and you do not want those. i have personally bought 2 houses in this manner. good luck to you

If I were to own a home, I'd probably arrange it like: 80% purchase price, and lets say we allow 5% closing cost. 10% can be in a conservative common investment, for example an index fund, easily converted to cash for capex needs, 5% in cash at the bank for quick emergencies.

Costs, I don't suggest you do this as a DIY deal, get an attorney, the borrowers can pay the costs of the attorney and the filing fees and settlement costs and the title search, meaning you need to get to a title company, they will tell you what the costs will be.Next, never, never, never use a pre-arranged deed to be held in escrow, in any state, for any commercial or consumer mortgage.

There is a fundamental TRUST issue that you have to have in place to make your arrangement work.  

Key point:10 percentage Down (on paper)Seller Financed only for 2 monthsSeller hold 1st 1st position is 90% LTV We assist in the Seller Selling the notes after 2 months of successful payments for 60-90 percentage of balance Partial note sale can be arranged at a smaller discount Receive your asking price in cash within 3 months"

I worked with a contractor and had that arrangement.  

So I would guess it actually won't be worth more thus this is really a zero sum game for you at this stage.