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I was going to wait a bit more til I got more comfortable with all the parts of a l/o BUT I saw an ad this weekend that said: $500K to $750K Private party looking for creative opportunity to purchase single level, single or posssibly dual family residence, with 4 BD/ 2BA minimum, no heavy car traffic, no pool, no HOA. Santa Barbara/Goleta. Up to $750k price range or maximum mo payment with taxes & Ins 3500-4000mo if residence has income opportunity avail. OR $500k-550k 3bd/2ba for property without income potential. All Inclusive Trust Deed (AITD)? (do an internet search for explanations) Owner Financing? Assumable Loan? Me take over payments? Lease with option to purchase? I am a private party. I HAVE DOWN PAYMENT MONEY. I am open to exploring mutually beneficial opportunity. Please email. Realtors with suitable opportunity cooperated with So I left her a msg. . . and she called me back today. Get this, she is a financial investment adviser. She just finished her bk last month---marriage gone bad story (been there, done that). Anyways she said she wouldn't want to lose her option money even tho she has about 15-20k for it. She says there is no way she will be able to qualify in a year or even 2. She is just getting ready to sign a lease on a house---she will be paying $3500 in rent!!!! she'll rent out a room to take the edge off. She sounds like the real deal and she prob knows more than I do about all this. Is she right is there no way she would be able to get a regular loan in a the near future? If I can find a prop for her I'd just turn her over to the seller. I may offer her some credit repair services tho. Whatcha think oh knowledgeable ones? Thanks!