Hunt · ACS 2024 5-year · 2020–2024
Where carry is possible.
A heat map of free-and-clear owners is a hunt overlay, not a listing portal. Zillow’s owner-financing chip is a keyword. Contract for deed is a hard stop.
Live file · rev 1
$500,000 · first $350,000 · second $150,000 · check $14,650
- AFR floor met
- AFR not locked
- Below usury cap
- CLTV 100% over cap
- Senior DSCR
- Investment occupancy
- Zero down · check still due
Florida: 44.2% of owner-occupied units have no mortgage (2,746,281 of 6,220,116). Census ACS table B25081, Owner-occupied housing units. Source. Re-verify before you mail anyone.
Investment 1-unit. The ACS heat is this universe.
Pick a county on the map or the list.
Listed OWC
Someone advertising carry. Zillow, LandWatch, LoopNet, MLS remarks. Most of it is a keyword or a land contract. Walk on agreement-for-deed.
Who can say yes
Free-and-clear owners who never listed OWC. This heat, then the appraiser roll, then a pitch. Direct mail is still how most true-carry files start.
What already closed
Purchase-money mortgages in official records. Comps, not inventory. Confirm the first was institutional and the second was the seller — not a wrap.