Sellers Are More Flexible Than You Might ThinkHere’s another shift to show you just how much things have changed.

With a properly structured subject-to, you generally shouldn’t need the seller to come back later if everything is signed upfront.

I have some savings, a strong credit score, and a genuine motivation to improve my long-term financial stability.My initial thought is to start small and house hack a duplex.

Quote from @Tyler Pietz: I am the looking into the tax implications of a subject-to / loan wrap deal on a primary residence from the perspective of the seller/lender; specifically, the treatment of the interest on the existing mortgage post-sale and whether the seller may claim this as investment interest on schedule a / 4952 to offset the interest income from the new loan.Does anyone have any experience with this?

Try to negotiate extended timelines with the seller?

#1 Seller Financing - I have bought a couple seller finance deals recently and they are great.

What I want to do is move 2 of the mortgages up to $80,700 to cover the price of the 3rd home and have the sellers deed me the property after the other two close.

DPA programs exist for homebuyers, but I'm not aware of any that will provide DPA behind a seller financed note. 

When you buy a property (whether local or out of state), the title company is basically the neutral third party that handles the closing—they make sure the seller actually owns the property free and clear, they check for liens or unpaid taxes, and they handle transferring ownership from seller to buyer.

We pursue a similar strategy with multifamily (layering bank debt with a seller note in second) but we usually underwrite to bring some equity (10% ish) to close.