Lenders... going once, going twice, GONE!

We've all heard it, "Think Outside the Box"... the box in this case is thinking that we have to be in bed with lenders to buy and sell homes (generally speaking).  Our current economic storm has caused many to look for a way out of the mess.  And the tight fisted polocies that lenders have adopted are only helping us see the way clear.  It is simple, put the money.. and the interest, back into the hands of the seller.  Buy your buyers some time and get your sellers some relief.  All the listing services already have the forms available.. you just need to walk through the process and become comfortable with a "Lease/Purchase Option."  There are many sellers out there who have clear title to their property and don't need the cash in hand, in many instances all of that cash would mean huge taxes.  Many buyers are not in the postition to buy at this time... they simply don't have 25-30% down but they have jobs and the money to make their payments.  Maybe your lease/purchase option could have a portion of the payment going toward their down.  A non-refundable deposit up front also gives buyers added incintive to complete the transaction at the later time.  Out of that non-refundable deposit the seller could pay a portion of the agent's commission, the rest could come in a year at time of closing.  The scenerios are as many as there are buyers and sellers, each situation will be different but it affords many who are now making two mortgages to have one of them paid buy the buyers while waiting for a time in the not so distant future for "The Sale".   Get out of the box.... make it happen..... be creative... help people not financial institutions.