And by balance I mean being realistic & compliant.It's good that you have some idea of the terms you want, but know that because of CFPB guidelines, your borrower has to show they are capable of making whatever payment/terms you set.There's lots of factors to consider when financing, so I am only going to touch on one to give you some food for thought.When I see high rates on seller financing it is usually for 1 of 2 reasons:The seller wants a higher monthly P&IThe seller plans to offload the loan to an institutional investor later and doesn't want a huge discountTo #1 I say, reduce the term/amortization of the loan.

German roaches often times will move in with the tenant (just like bed bugs), but will not go away until you get rid of the food source. 

If you eliminate their source of food they might go away on their own but they will likely stay for the shelter.

Their income to rent is a little over 3x including food stamps, but under excluding.  

Its a commercial property  it's like one unit ,  one very large unit  it would be great  for a bank  or  fast food restaurant with drive-thru.

Josh and SteveI think that you both gave me food for thought.

People come for the food, nightclubs, entertainment, etc.  

It's hot enough to cook food outside ( I don't recommend of course hehehe)

Meanwhile, my remodeling business gets either Mexican immigrants (because the building trades are still honored there) or the American kids that high schools thought were too dumb to go to college.

Please elaborate. “12% retirement, 10% car expense, 10% family expenses, $500 for food for my family of five.”5.Do you plan out financial goals and save for them, such as a family vacation, college savings, retirement?