ERGO the insanity of selling sub to from the sellers view point.. unless they had no equity and could give a darn if their credit is thrashed through a foreclosure sale.

YOU do realize there are bad actors out there that do this all the time.  talk someone into selling sub to by paying over retail putting next to nothing down.. then renting the home and ripping the rents never paying on the mortgage so in states like NY NJ PA were foreclosures take years they make all that cash flow while the seller suffers and loses their credit etc.

Selling sub to is absolutly the WORSE move a seller can make if its just a straight sub to.