I would suggest looking into properties that have been on the market for some time that do not have a mortgage. However, a seller may entertain this regardless as to how long the property has been on the market. Sometimes "owner financing" is an option in the listing agreement & that would be information listed on the multiple listing service. If the latter is not the case then the buyers agent would contact the listing agent to see if "owner financing" might be an option for the seller. The selling agent may just tell the buyers agent to put it in the contract & she/he will present it to the seller. This is a good way to get the ball rolling in the minds of the seller. It may take a little bit of time to check out the advantages of doing this for the seller so everyone must be patient in the process. It is definitely an option & I feel you are going to see more sellers open to this in the Richmond Metro area.
If I can help you facilitate this search I would be happy to do so.
Please feel free to contact me.
Realtor w/Long & Foster Realty