Some landlords offer a discount for early payment as an incentive, but I'm not sure that would be appropriate in this case.

@Andrew Self I would like to think that my company is the best and offers the lowest rates and closing costs, but perhaps I am bias.

Unless they are offering much more cash than you can get on the flip (After lowering the price), it doesn't make sense to take the risk and sell sub-to because most of these loans are not assumable and you will take on the risk of "due on sales clause"

My credit should be the highest allowable also and I shouldn't have problems with approval.Ok, i shopped about 80 lenders (based on Fridays rates, market is closed so no live pricing)Conventional Full Doc loan you would be at 7.875% if you put 20% down (you said what the house was worth, but not your purchase price). 

I am not exactly sure if calculations are accurate and feel stuck with this decision, I would appreciate if someone could offer an advice or potential solution?

As for offering subject-to financing, this is something that can be advertised under 'seller financing' in our local MLS, and there's investors that search specifically for listings with that marked, so that should introduce your property to a new set of buyers that may not have considered it before.

It’s not for everyone, but with the right team, an agent who knows the market, a solid property manager, and good contractor connections it can be a great way to your porfolio.For example, Cleveland is affordable, has strong rental demand, and offers solid cash flow.

I'm based in the Boise area so we're a little far apart.

Right now, the best offers around me are for some 1.3-4 million, that only generated around 100k per year gross, so there would be a high chance of not cash flowing, and paying money, especially with a commercial loan (these buildings have more than 4 units).I was thinking that although the rental itself does not generate money, I would be able to deduct the mortgage interest, and depreciation from my personal w2 income and would be net positive.

house hack is possible. base way to get feet wet