How hard is it to get a refinance loan?

[Sean Dezoysa]

My pipeline is starting to fill with seller finance prospects but I'm not comfortable offering a 5 to 7 year balloon because I don't know how safe it is to have say 10 to 20 coming due within a short timeframe.

Let's pretend the house always appraises at/above my purchase price. Are there other concerns that I should be aware of? Debt to Income comes to mind.