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now heres something thats come off the table over the last few years and that is the idea of an owner carrying their contract we dont hear that term anymore because interest rates became so low no one would consider carrying a contract well with interest rates rising this conversation be something that we should be having with sellers now again and that conversation could be as simple as this hey mr mr seller i just have a quick question you guys have a pretty good equity position in your house and just one thought came to mind as interest rates are kind of rising for you know typical mortgage rates have you guys ever considered carrying a contract yourself in other words acting as the bank this is where somebody would offer you a down payment large enough to pay off your your note that you have now and pay all the fees and everything else thats associated with the closing but then after that youd have an income stream uh coming to you every month just like a bank does and youd b