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hi its Lou brown with another one of my hundred and one ways for real estate investors like you to win close more deals and accelerate your cash flow todays tip is number 17 Im going through some of the contract closes in our amazing standard rent a standard purchase and sale agreement on the buying side now Ive got one for buying and Ive got one for selling so Im focusing on the buying side here in this - when getting owner financing ask for substitution of collateral now thats a powerful one so Im going to teach you how to master the process of getting sellers to carry back financing I love the idea of the seller being the bank now when they carry back that loan theres a mortgage and in that mortgage you have some stipulations in there some clauses and one of the clauses I recommend that you have in there and its included in my purchase and sale agreement is that the seller agrees to something called substitution of collateral so of course theyre carrying back a mortgage on