Haven't done amortization since I did actuarial math 20 years ago in college so willing to accept any help with deal structuring: I have a seller who wants 190k which is fine because the Zestimate and condition of the house supports it (as is) but not a good deal for wholesaling as a cash deal because the ARV is 239k. Offer Price: 190k Rent: 2500 but using a conservative estimate of 2,000 (24K a year) Down payment: 5k Rate: 2% Duration: 15 years PITI: Taxes and Insurance (5700), repairs (3800), Principal and interest (13800) 1) Would this be a good deal? 2) Is it that I have to ensure PITI is less than Rental Income is that the sole priority or are there other things to consider? It's the first creative deal I am structuring just need to know if it would be a good deal for a potential buyer before I make the offer. If it is not a deal, please explain why so I can learn how to do it better for the other deals to come. @Bernard Property Acquisitions @Zach Ginn

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Need advice. Owner has no knowledge of owner fin. Presenting the benefit of owner fin. Am I on the right track? Traditional sale: Sale Price $425,000 Real Estate Commission (6%)– $25,500 7($425,000 × 6%) Estimated Seller Closing Costs– $13,500 Estimated Capital Gains est. $204,500 @ 17.5%– $35787 Estimated Net Proceeds to Seller $350,213 Owner Finance: OFFER Sale price 350000 Down payment $20,000 Owner finance note for the remaining: $330,000 Interest rate: 3% Term: 30 years (fully amortized) Balloon payment: We pay off the entire remaining balance after 8 years What you actually receive over the 8 years. Down payment (day 1) $20,000 pure cash profit Monthly payment (years 1–8) $1,392.97/mo × 96 months = $133,725 Part principal, part interest Of that $133,725: Interest portion ≈ $71,150 your profit minus taxes Principal portion≈ $62,575 Balloon payment at end of year 8 ≈ $267,425 (remaining balance) capital gains Total cash you receive over 8 years≈ $421,150 Your true profit (down + interest)≈ $91,150 Estimate Closing Cost ($5,200) Capital gains ($35,787) Net Proceeds $380,163

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