However, about eight days later, the seller informed me that they had "changed their mind" and no longer wanted to sell.In the weeks that followed, the seller failed to provide the required documents, including HOA disclosures, the seller’s disclosure, and other essential paperwork, all of which were due within specific timelines per the contract.

You can put a mortgage into a "trust: without triggering a due on sale but again contacting your bank/lender is the best route to avoid any issues.Some banks/lenders or servicing companies change guidelines and even a trust may require other paperwork but the attorney usually facilitates that to be safe.  

Looking for advice:We just closed on our first sub-to deal as end buyers (woo hoo!). We are responsible for the mortgage as of January 1 - but it's come to our attention that they stopped paying it back In October 202...

If it was me, I'd look at it this way:1) Paperwork: I can hire an attorney at an hourly rate to write up a purchase contract, etc. 

Running into more paperwork issues.

Yes, they can be slow with the first payment, but as long as the HUD paperwork is complete (essentially a promissory note here), the money always comes.

lol it was a lot of communication and laying out upfront what we wanted/needed from the deal and then making sure it was all written out in the paperwork.

Let them do the follow up and paperwork and maybe lead cleanup, but you do the dialing and talking yourself for much better results.

I thought the posting said 3 unit but my realtor gave me the paper work on it.

It can simplify end-of-year paperwork, but you’ll want to confirm the details with a tax pro.3.Long-Term Game PlanPaying out of pocket and keeping your medical receipts can be a great strategy.