Since many buyers are “credit challenged” or cannot qualify for a mortgage, CONTRACT FOR DEED, can be a way to go.  Sellers can charge any interest rate they want to & can foreclose quickly if one payment is missed,  This can be risky + the buyers loose their equity.  Look for a local non-profit that deals with these & they will give the buyers credit counseling & help with terms on the contract for deed that are more reasonable, IF the seller will accept that.  Contracts for Deed are inherently troublesome;  it’s that people don’t always use them appropriately, according to Graham Wood.  Get a COMPETENT REALTOR TO HELP YOU!