What kind of problems could arise from mom selling her home, owner financed? She moved in with me and my husband and her home was just sitting empty with her still making payments on it. She sold it to my niece, owner financed. My niece pays her the monthly payment by bank deposit. Mom then uses the money to make the house payment. What kind of problem could this cause in the future, if she has to go to a NH or if she passes away before it is paid off by my niece?