Good luck with the team-building :) that is the most important phase, without which, growth and scalability will be hard to achieve!

It's not like here in the states.

You should ask questions of your insurance agent, broker, or “surplus line” broker or contact the California Department of Insurance at the toll-free number 1-800-927-4357 or internet website www.insurance.ca.gov.

Is there a website with just seller-financed listings that I'm not aware of? 

My husband's family is from there and we go visit them often from our home in the suburbs of Minneapolis. 

You can click on my website link in my signature to set that up at a time that works for you. 

I am in the Lehigh Valley.

Our purchase price was about the same as the bank appraisal.

Otherwise, leave it to the professionals who have the experience, systems, and resources to do it right.

It can depend on the property, but owner paying the bills seems rare these days.