Contracts

In Texas, a 'contract for deed' (installment land contract) is potentially problematic for buyers because:

AThe buyer gets title immediately but cannot sell for 5 years
BThe buyer takes possession but title remains with the seller until all payments are made, risking forfeiture if behind on payments✓ Correct
CInterest rates are capped by state law
DThe buyer cannot use the property as their homestead

Explanation

In a contract for deed, the buyer takes possession but the seller retains legal title until all payments are made. If the buyer defaults, Texas law provides statutory cancellation procedures (though protections have been strengthened). Texas Property Code Chapter 5 has added significant consumer protections for executory contracts after abuses in colonias and elsewhere.

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