I told her no and then she told me to sell my crypto, sell my stocks, apply for credit cards and offered me financing.

One with low cash, one with some owner financing and a little less price. 

I do single family "off market" that I take over with owner financing, subject to, wraps and lease options.

Where you would put in the mortgage the seller is financing.

- A 0% down, seller financed deal, typically equates to little to negative cashflow!

How did you finance this deal?

If you’re looking at retrofitting to separate heating for each unit (like furnaces or mini-splits), you might be looking at a higher upfront cost, but it can shift utility expenses to tenants and improve your NOI.I’d factor in boiler age and efficiency when analyzing deals and if it’s near the end of its life, negotiate a price reduction or a credit.

As far as rate is concerned, you can usually go about two points over the current rate (less closing costs for a seller financed deal so there is no real expense there) You need to make sure the borrower can cover that.

And whatever a property is purchased for it must work for financing (your lender is your ally!).

Begin by targeting distressed properties in gentrifying neighborhoods, securing financing through hard money lenders or private investors, and focusing on cost-effective renovations.