I deal extensively with creative financing such as sub2's, land contracts, contract-for-deeds, assumptions, land trusts, etc.

At 900K, with the same LTV assumptions, I'm seeing that your payment would be $4953 without taxes and insurance.

I am afraid the assumptions you're making are outright wrong and very misleading.

Given a worst-case growth assumption they can calculate the amount of premium they need to make that happen.Because of the premium flexibility in a universal life policy, clients could UNDERFUND the policy with the expectation that rates would be enough to offset the a lower premium.

I still underwrite with a debt assumption, so it doesn't make sense for me to spend too much time on a deal if there is a good change of an all cash purchase.

Or there may already be an assumption of debt component (It's generally non-recourse) as you'd see in a DST.A second option would be to use a zero coupon DST to absorb the debt in your 1031 along with 18-20% of your proceeds. 

@Oasis Duenas - Yes, you can always inquire with an experienced real estate agent to run a comparable analysis of the ARV under the assumption that they may list it once you are completed with the flip.You can also do it yourself. 

Thanks for the response and please feel free to correct me if my assumptions are wrong and these can be competitive term-wise

Chicago demolition inspector is sneaky, devious, disrespectful, plus quick to be both highly rude & negatively-assumptive.

Share your assumptions below for a tailored model and insightsNeeded: Rent, Rental Growth, Occupancy, Interest Rate, Loan Amount, Property Tax, Maintenance Expenses, Purchase Price, sum of all Closing Costs (including commission), HOA Fees, and Renovation Costs.