So the thinking is giving the original owner part of the trust benefit, you circumvent DOS? I would like to see some case law on that. Also, I had heard once, and I this may be a very gross misparaphrase, but by keeping a seller involved you can be found guilty of circumventing foreclosure law? Not sure on that one. My biggest issue would be wether circumventing the DOS is worth the trust hurdles. I would be more inclined to record the quit claim, bring the mort. current, and if that triggers DOS, I would have a few months to get my own financing or negotiate with the bank. With the current mortgage market, I would imagine that banks will be much more flexible with DOS clauses.