We have modified many seller financed notes over the years (with input from the servicer and a qualified attorney as mentioned by others). 

Secondly, calendar and email functions/apps on computers and smartphones provide great records and a log.

Since you have work history, if you get a job with salary income and a credit score above 640 (680 realistically), a conventional cashout refi is within reach as soon as you reach those metrics.

A whole working business with properties, a booking site and a brand that creates loyalty.

Always have a detailed scope of work and a price in a written contract.  

Jorge Newberry is the principal and a very good guy from my experience.

Negotiating favorable terms is both an art and a science, and in real estate, it's a critical skill that can make or break a deal.

Another note on construction cost, going vertical is very expensive now and would require have a great connect with a developer and a builder in the area.See what rents are in the area and run the numbers to ensure the rents will cover your costs and give you a solid return—using the 1% rule can help.

.: Hello; I currently own two rental units. a duplex and a SFH.

Glad it's working for you I slowed down on RE for about the past year and a half S&P 500 is up 27% YTD, NASDAQ 100 up 32%