I would look at the problem very mathematically, and I would look from a "worst case" perspective.

It might also look better mathematically to do a traditional cash out refi and and pay off current 1st position lien holder and take the cash for what you need.

It is important to show the mathematics behind being an owner financier that could be more successful and how they can benefit by spreading out their income over the length of the loan. 

That is a mathematical fact proven over multiple decades of research. 

It is a mathematical calculation that can be adjusted by changing the inputs.I would look at this point for a strong market fundamentally. 

The mathematical probability as I stated just leans toward their being more likely to be a life long deadbeat.

That's not going to happen with me on a foreclosure flip in a soft market.My question is this: When I pin down mathematically what she owes (and get a title search done to make sure there's nothing I missed), how low can I go without getting blown off and ruining my relationship with the agent?

Putting a bunch down" is also part of the expenses that needs to be averaged imho as it does mathematically skew the performance relative to the average."

Originally posted by Tim Owensby:If you are a real sadist, you could get an actuarial science degree.What, you don't like the mathematical triangles on a saturday night?

Ok you mathematical guru's - can you calculate my return on investment?