As stated by other, some sellers will indicate in a listing that they will consider owner financing. What the buyer need to expect , is that the seller will often require 25-35% down payment, a higher price, and expect to earn +8% interest on their loan. While the seller may ignore a short sale (the waiting period of a FHA or conventional loan), they will generally expect the buyer have no other late payments and a very clean credit report with low debt and a steady job/source of income going into the future.
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