<p>This strategy is for: Buyers: Buyers with a FICO credit score of 530 or higher. Buyers who are willing to speak directly with the seller. Buyers who are looking to by pass all settlement fees, down payment cost, and years of mortgage payments. Home Owners/Sellers: Homeowners who have a FHA, VA or ARM loan, has little or no equity value in their home, or facing foreclosure, or has been asked to lower the selling price,or has been asked to take a loss by doing a short sale, or simply having a challenge selling their property through traditional sales methods.</p>