Show them how you can get them cash by selling off some or all of their payments.

Step 1 - Determine how much cash they need to solve their problem
Step 2 - Contact a paper buyer to get a current acceptable yield.
Step 3 - Use a financial calculator to figure how many payments they must give up to receive the desired cash at an acceptable yield to a paper buyer.

Example
Seller taking back a $100,000 note at 7% for 30 years with a payment of $665.30, needs $25,000 cash now. To determine how many payments they must sell, follow these steps on your calculator.

$25,000 = PV (Present Value)
$665.30 = PMT (Payment)
15% = I (Interest), acceptable yield to paper buyer
(52) = N Solve for number of payments required to arrive at 52

Step 4 - Contact the paper buyer and arrange a purchase of the payments at closing or shortly thereafter.

What About The Due On Sale Clause?

What is it?
The due on sale, or escalation clause is a paragraph in the mortgage or trust deed, which gives the lender the power to call the entire loan due if title is transferred without the lender's permission. This usually requires buyer to formerly qualify to assume the loan. In some cases the loan is not assumable even if the buyer qualifies.

How Does It Affect My Business?
It makes it difficult to transfer properties that have such a loan in place. The buyer can't assume without qualifying, this potentially removing the best sales tool to move house quickly.

Does This Mean The Lender Will Call The Loan Due?
Usually, NO! It's rare a lender will call a loan if the payments are current. However, it is possible and does happen from time to time. Almost all banks will call due credit lines if they learn of a transfer.