Submitting multiple offers to seller (3 offer approach)

[Kevin Stein]

Hello,

I've always been aware that you can structure deals multiple ways, and submit multiple offers to the seller, but it has never completely clicked for me.  Could someone give me a real world example of what this looks like and why each option make sense for both the seller and me as the buyer?

I'll set it up this way so the math is really easy:

ARV = $100,000. Repairs = $20,000. MAO = $50,000 (100,000 * .7 - 20,000).

Obviously $50,000 would be the "all cash" price I'd be willing to pay (please don't crush me on the 70% rule, I'm just trying to make the numbers simple).

What would a owner financed offer look like?

How about a partially owner financed offer?

Again, I understand conceptually that having the owner carry back the loan means you don't have to pay origination fees to a bank or the higher interest rates of a hard money lender.  But I'm having a hard time determining how much that is actually worth (i.e. how much more I could offer the seller).

Thanks for any advice!