We did a vendor take back ages ago and the terms were good, plus no backstabbing bank to jerk us around on renewal. The guy was going into a senior's home and didn't need the cash for an upgrade. Us having a 60% downpayment kept his numbers safe.
A printed payout sheet showing the amount of the monthly amount going to principal and interest was an eye opener and the option of paying down the principal every six months was awesome. Especially at the beginning where throwing in another $100 shortened the mortgage amortization by years.
The curse now is the instability of the market. Do you sell first or buy? How are conditional offers being looked at compared to the skyrocket days?
Then there are the increased operating costs. You just saved a bunch of heating costs on yours.
We could have moved up a half a million to a better joint, but the eventual cost would have been close to double when after we upgraded to all the work we put into our place, commissions, transfer taxes, property taxes. Not at my age.
” down . They dug a ditch while doing the garage footings and the house was getting underpinning anyway . Current owner is a friend of a friend so we’ve had the tour , very cool way to beat the historic remodeling rules . If you have bags of money . 
