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“If they can use a highly technical case regarding a land contract, the regime can easily find another technical point regarding other media organizations,” Mr. Hui said.

In one common type of seller-financed agreement, called a “contract for deed” or a land contract, the seller extends credit directly to the buyer, who typically does not receive the deed to the property until the loan is paid.

After the 51-year-old was featured in a February Detroit Free Press article, an anonymous metro Detroit couple donated $16,500 this spring to a local nonprofit specifically so she could pay off her land contract and own her home debt-free.

But most land contract owners didn’t qualify for those protections, experts and advocates said.

To make things worse, she didn’t qualify for pandemic aid because she was buying her house through a land contract.