In this episode of the Seller Finance and Creative Deals Podcast, Dan Deppen sits down with Caleb Christopher (CreativeTC) to unpack what actually goes wrong in creative finance deals—and how to structure transactions to avoid the most common (and most expensive) mistakes.

They dig into a critical contract issue many investors miss: once you sign an agreement as the seller, you may not have a clean way out unless you've written in a seller exit clause tied to borrower qualifications. Dan and Caleb explain how to define those qualification standards upfront, why it matters for Dodd-Frank and "bank-grade" underwriting, and how skipping the right steps can turn a quick exit into a foreclosure-length nightmare.

You'll also hear a practical discussion on:

The real-world risk of due-on-sale in sub-to and wrap deals (and what you can do when it surfaces)
Why "bank-quality" seller finance notes can sell near par—and why that matters
The hidden problems with self-servicing and poor payment records
Smarter liquidity strategies than balloons, including selling note partials

If you're doing seller finance, wraps, or subject-to—and you want fewer surprises and more scalable outcomes—this episode is your playbook.

Connect with Caleb:

Creative TC - https://creativetc.io/

Caleb's Instagram - / fcalebchristopher

For more info on underwriting seller finance loans or get started on a deal go to www.calltheunderwriter.com.