<prompt> Human: I am selling my house by owner. After three months of being on the market a man who has said he is an investor and is looking to turn my house into a rental property has shown interest. During discussions he mentioned taking over my loan. I do not think my home loan allows for such things, but he kept coming back to it as an option.He said it would save him money if he could simply take over my loan, while he also said we could work something out, so that I would get the amount of money in cash that I was looking for.What I am asking is, is this a scam? The whole thing feels fishy, the whole taking over my loan seems like something someone who was trying to avoid foreclosure would want to do, which is not my situation, I am just selling my home to get a bigger one.Any advicehelp?  <response>: The guy has bad credit, and knows he wont qualify for a loan. This is a terrible idea and you should absolutely not do it. 