Quote from @Rion Manita: Hello BiggerpocketsI'm working on some deals where buyers are trying to stack owner financing with a bank or private lender, what are some strategies to get these across the finish line and or some solid lenders that operate in these capacities that are flexible. thank youWord of warning - everything must be disclosed to all lenders.  

Just to clarify, are you a new lender in Houston, or are you looking for a lender there?

A private lender is typically not a business, its typically an individual.

Selling the property just to comply with a city that, ironically, provides no sewer, no asphalt, no public lighting, overgrown weeds, and deteriorated access roads in that same area would effectively mean shutting down their business and losing their livelihood.That’s a power inequity where the government can obliterate a small business over paperwork.

(Be aware, Sheriff's sales are different than Deed of Trust sales) One guy who recently won an HOA Sheriff's sales bid, did not realize that he bought the underlying lender loan and now owes the lender the full amount of that loan.

Hey everyone —Curious to hear how other lenders and shop owners are structuring comp for their loan officers.

. - Applicant must be a non-smoker. - Applicant must have no pets except for dogs of non-dangerous breeds.

Although there are different departments for all lenders, a good LO should underwrite the deal initially in order to avoid any of the issues you are mentioning.

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The (DOT or Mortgage) is proof of that agreement.The main difference between the two, is that a Deed of Trust (DOT) has written into it that the lender can go ahead and do a foreclosure if the  terms of the agreement are violated.