Hello from the Finger Lakes of New York state!

[Elizabeth Sky]

I have lived in an older duplex, in the country for over 4 years now. My landlords are coming over to talk about me purchasing the building this evening. The property was assessed at 105K this year. My landlords threw out a starting number of 120K, too much I think. They have made some improvements which are great: new furnaces, water pumps, and water heaters. My unit has double paned windows, not sure about the other unit. They own it free and clear (it was her grandparent's house). Anyway, I have no money for a down and mentioned the possibility of talking about creative seller financing. Any suggestions? I am so excited.

I am not new to real estate, I was an agent in California for 10 years before moving here, and am studying for my NYS license. 1st time investor though. Thank you for your comments!