Perhaps we "buy" the house from them for the $328K balance to satisfy the lender and don't need a large down payment and then have a separate contract with them to pay $x per month until we've paid the full $172K amount.

How long have you owned these, and how much is rent vs the payment?

Just make sure to run the numbers with the HELOC payment and the rent, so that you are not underwater every month.

Let your criteria do the filtering for you.Regarding retention and renewals, the only time I have asked people to leave is when they have had rent payment issues and/or damaged the property. 

At the same time, dispute the late payments with the bureaus and provide the payment records showing the payments were made on time if asked.

I usually end up with a list of buyers with down payments but I don't have any more inventory for lack of inventory (capital).

Again, if there is a form of payment you do not accept, then I would line through it.All the forms can be edited.

Hi Jayce, we got the seller to carry back the portion of the down payment and the bank to finance the 1st position on the rest.

As already mentioned, you could sell via seller financing to lower AGI, as all you would have to claim is the payment income - until balloon payment received.Did know an investor that had 14 properties paid off and he moved into one every two years to then sell with the $250k single exemption.

With payment standards significantly above market, many investors have shifted to this HCV focus.