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If a seller owns a property free and clear (no remaining mortgage), they might agree to a 0% or low down payment if they trust the buyer or need a steady stream of passive income rather than a lump sum subject to heavy capital gains taxes. 2. Wrap-Around Mortgages (All-Inclusive Trust Deeds)

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Over the decades, the book has been updated to reflect changing market dynamics: If a seller owns a property free and

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