These properties are offered as having owner financing available. With these particular properties, an owner is able to and willing to finance the purchase to a buyer without the need of a bank of typical lending institution. Terms and conditions vary from property to property, but keep in mind seller's have a lot of expenses that need to be covered for a purchase and generally you need at minimum on a property under $100,000 in sale price at least a $10,000 down payment.
Lease-to-own, Rent-to-own, lease-option and other similar situations do not apply to these listings. A buyer needs a large down payment (Larger than most bank issued loans) in order to cover the seller's closing costs, and still let them walk away with some money at closing themselves. Generally speaking, 10% of purchase price would be needed over $100,000, and a minimum of $5,000-$8,000 even on smaller transactions.
When inquiring on a particular listing, please note in your message how much down payment money you have to work with. We need this information to approach the seller of a prospective owner-finance deal so that they can decide whether that is enough for them to enter a negotiation on other terms, or not.
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