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Gilbert your own news 96:5 go ahead I got a question on on the owner finally what what happened lets say you get into a contract owner financing contract and give them a large down payment and the person that owns the property difference of tax trouble is there any way that they can yeah the government or or whatever the case can go for the property that you have a contract on so Gilbert would you be the buyer of this property yeah so Gilbert if youre talking about a traditional mortgage in closing at the moment of that closing the title to the property is placed into your name your seller walks out of there with a mortgage lien so if after this date of closing if your seller gets sued by the IRS or files bankruptcy it is never gonna change in fact Gilbert that you own that piece of property free and clear of all his liens talk about a traditional mortgage and talking about an owner financing where the owner I guess you do a contract with with the owner you know well thats what Im