In this episode of the Seller Finance and Creative Deals Podcast, Dan Deppen shares additional seller finance mistakes that didn't make the cut in his Cash Flow Expo session. He breaks down why "loose standards" and trying to be overly accommodating can backfire for both lender and borrower, how to work with an RMLO the right way (and why you don't want them telling you what you want to hear), and the red flags that show up when borrowers stall on documentation. Dan also explains why "no money in the deal" is fine—until you have no reserves—and why professional operators prioritize borrower quality, process discipline, and risk management.

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Dan and Steve discussed the launch of "Call the Mortgage Guy," an extension of "Call the Underwriter" that focuses on non-QM loans. Steve explained that non-QM loans cater to borrowers who don't meet traditional mortgage criteria, such as self-employed individuals and those with non-traditional income, similar to seller finance borrowers. Dan noted the growing popularity of non-QM loans, which have increased from 1-2% to over 8% of the mortgage market in the last 2 years, as lenders target underserved markets. The expansion into mortgage brokering, enabled by mortgage licensing in states like Colorado, Texas, and Florida, aims to address this growing demand.

For more info on underwriting seller finance loans or get started on a deal go to www.calltheunderwriter.com

For for non-QM loans in TX, FL and CO go to www.callthemortgageguy.com

In this episode of the Seller Finance and Creative Deals Podcast, Dan Deppen sits down with Caleb Christopher (CreativeTC) to unpack what actually goes wrong in creative finance deals—and how to structure transactions to avoid the most common (and most expensive) mistakes.

They dig into a critical contract issue many investors miss: once you sign an agreement as the seller, you may not have a clean way out unless you've written in a seller exit clause tied to borrower qualifications. Dan and Caleb explain how to define those qualification standards upfront, why it matters for Dodd-Frank and "bank-grade" underwriting, and how skipping the right steps can turn a quick exit into a foreclosure-length nightmare.

You'll also hear a practical discussion on:

• The real-world risk of due-on-sale in sub-to and wrap deals (and what you can do when it surfaces)

• Why "bank-quality" seller finance notes can sell near par—and why that matters

• The hidden problems with self-servicing and poor payment records

• Smarter liquidity strategies than balloons, including selling note partials

If you're doing seller finance, wraps, or subject-to—and you want fewer surprises and more scalable outcomes—this episode is your playbook.

Connect with Caleb:

Creative TC - https://creativetc.io/

Caleb's Instagram - / fcalebchristopher

For more info on underwriting seller finance loans or get started on a deal go to www.calltheunderwriter.com.