Drop the deal. Get a licensed read.
Seller-finance and creative deals die on structure, not on motivation. Run yours by a licensed mortgage desk: straight seller carry, note papering, or a hybrid with an institutional first and a seller-carried second. Written answer within one business day.
If your end buyer will live in the property, federal law (Dodd-Frank) requires a licensed loan originator to originate the note; TILA ability-to-repay applies. Most of the creative-finance world skips this. We don't.
Institutional first (e.g. a DSCR loan) plus a seller-carried second can get a deal done with less cash in while the seller still gets their income stream. The desk knows which programs allow seller seconds and at what combined LTV.
Terms, down payment, balloon timing, servicing, and what happens at the refi. A second set of licensed eyes before you sign, including whether the deal even needs one.
Deal details
Deal facts only: this is a structure review, not a loan application. No SSN, no income docs.
Submitting this form does not create a mortgage application, a client relationship, or a commitment to lend. Reviews are provided through licensed mortgage professionals. Nothing here is legal or tax advice.