A HELOC is  HOME Equity Line Of Credit.

If I'm putting $40K down on a land deal, I'm getting the deed!

They are NOT motivated sellers!

Nonna lays the the smack down on everybody and they all just end up eating her lasagna.

And those real-life needs are pushing more sellers off the fence despite today’s rates.Data shows the share of homeowners with a mortgage rate below 3% is dropping as more people move.

When I was a new agent (but already an investor for years) I was working on a seller for weeks on how to get his house ready - it was a bit of a mess - to get him the most amount of money.

Even though the original party may no longer be responsible for the debt per court order, their credit is still on the line, and nonperformance on the trade in question will wreck the original borrower's credit.

In that time period, there were far more buyers (the blue line) looking to buy than homes for sale (the green line).

Quote from @Sam German: Everything I've read says that most mortgages have a due-on-sale clause or something else that prevents Sub-to from being an option.

What kind of pitch would one do if contacting wholesalers from Craigslist or on-line?