I am not using my own credit to buy these houses. I only buy when the people are facing foreclosure or relocation or something along those lines.

I use THEIR Credit and Existing Loans. I just step in and take over. Now, with todays interest rates it does make sense to lower the existing rates by refinancing, but I am not usually in a house that long to make it worth while.

So my option of paying just interest is not usually an option :-)

Terry