There are many different forms of owner financing , including a contract for deed or agreement for deed, land installment contract , wrap around mortgage, even a rent or lease to own can be considered owner financing .You should be familiar with all options and choose the one that best fits you and your buyer.The first consideration is : do you have an underlying mortgage? 

Up Front Mortgage Insurance Premium - For most of its mortgage insurance programs, FHA collects an: Upfront mortgage insurance premium (UFMIP), and Annual insurance premium which is collected in monthly installments Mortgage Insurance Premium - For 15 year and greater than 15 years. 1.75% of purchase price Annual Insurance Premium Greater than 15 years & greater than or = 95% LTV - 0.8%Greater than 15 years & less than 95% LTV - 0.85%Less than or = 15 years & Grester than 90% LTV - 0.7%Less than or = 15 years & less than 90% LTV - 0.45%High Balance Loan Amounts Less than or = to $625,000 & less than or = to 95% LTV - 0.8%Less than or = to $625,000 & greater than 95% LTV - 0.85%Greater than $625,000 & less than or = to 95% LTV - 0.1%Greater than $625,000 & greater than 95% LTV - 0.105%INCOME—RENTAL Rental income from a borrower’s primary single family residence (boarder income) is not acceptable for qualifying.Rental Income from the subject property may be considered effective income if the subject property is a 2-4 unit dwelling.

My experience entails of minor home repairs and assistant to my father growing up installing cabinets, hardwood floors, and tile jobs.  

Maybe just your money back in monthly installments. 

I vaguely recall a local vendor informed us it was not economically practical to install submitters on a smaller building as ours (10 units).  

We want to install the tub cover over the existing tub and then install the surround.  

However, I don't find it very different in price, specially if you consider installation costs.

Even if the actual temperature is below freezing if it isn't too windy the surface temperature of the roof will melt your shingles together quickly once installed.

Your DTI is all of your revolving debt and installment debt with payments due for longer than 8 months in the future form time of loan origination, divided by your monthly gross income.  

Sellers offer CFDs for 3 reasons usually;tax benefits of installment paymentsto increase marketability to take it back and do it again.