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get the seller to carry a second mortgage to bring it up to 100% financing.
a. they get their selling price
b. they set the % rate
c. they get a pre-payment penalty if you refi early
d. it's tax write-off secured by real estate
e. house gets sold fast without the need of a realtor, only title company
f. seller raises price a little and covers closing cost. wham bam.
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