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I AM A REAL ESTATE AGENT WITH A SPECIALTY IN OWNER/FINANCED HOMES. I HAVE SECRET LISTS OF HOMES WHERE THE OWNER WILL CARRY THE NOTE. IT REQUIRES DOWN PAYT. AND STABLE INCOME. NO BANKS.ALSO, I HAVE MANY PROGRAMS FROM $0 DOWN FOR FIRST TIME BUYERS AND INCOME PRODUCING PROPERTIES. I HAVE BEEN IN THE REAL ESTATE BUSINESS FOR 15 YEARS.HERE TO HELP YOU GET A HOME.