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“As home prices rise and more and more cities are priced out of conforming loan limits and pushed into jumbo loans, the problem shifts from consumers to the home finance industry,” says Scholtz. With strict automatic underwriting guidelines and 20% to 40% down-payment requirements, even financially capable people can have trouble obtaining financing in these markets.
I am currently looking to purchase a house/land through a type of owner financing. The seller has no mortgage on the property as they are the deed holder. We have discussed a purchase price, down payment and a monthly payment as well as an additional annual payment to pay off the property in a mere 3.5 years. We have discussed that I will assume all maintenance of the property as if I were purchasing conventionally. There will be no option fee or length terms. The seller will maintain insurance and property tax payments in their name with the agreement that I pay them. With all that said, when final payment is received and I am paid in full, what additional cost will I have to pay to receive the deed in my name? Will I need a legal agreement to enter into this under the above terms? Any advice is appreciated! Thanks!
If you do find a landlord who wants you to assume the maintenance obligations and you’re willing to accept this responsibility, here’s a tip: instead of taking on this responsibility on day one, consider delaying the transfer for six months. This gives you a chance to identify any latent issues with the home and to get them repaired on the landlord’s dime. In effect, this gives you a six-month warranty on the home.
Bill, the first thing I’d suggest is consulting a tax professional. I’m no tax expert. Having said that, the tax consequences depend on the terms of the deal. Is there an upfront payment to lock in the purchase price? Does a portion of the rent go to the down payment on an eventual purchase. I believe that the tax consequences ultimately will hit when the sale occurs, not during the rental period. But again, they should consult a tax accountant.
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