Question about Short Sales

Does the seller have to stop paying mortgage
and can the seller short sale the property and not own the bank
is that possible

If the seller is not in default, you would need to present a very good case of why they will be going into default. It’s much easier if they are already missing payments.

I’m guessing you were asking if the bank accepts a short sale does the seller “owe” the bank? The bank can sometimes go after the seller for deficency, it depends on the state.