I saw how that proposal is basically her giving me a 0% loan, but at the same time I believe that structure will avoid her taking a large loss (approximately 30k if she accepts a 300k offer).I do not know why she doesnt get a PM, I only share the facts of when she purchased it, the purchase price, and the reasoning she shared with my realtor as to why she is selling after such a short time period.

Purchase price: $675,000 Cash invested: $250,000 Country estate with 2 houses.

The first purchase is always a huge learning experience.

This person did not raise any money, they invested around $600,000 into the offering and because they were one of the larger investors were considered a Co-GP because it was a new sponsor and they needed this persons $.

Purchase price: $425,000 Cash invested: $5,000 Helped my past client out of a difficult situation.

I've helped a lot of investors in your area, and I find that many of them end up purchasing rentals in the Central Valley for the very reason you mentioned.  

Learn the area, meet other investors at meet-ups and one-on-one conversations, and once you feel more confident, you can make a purchase to live in. 

I’ve been a member since November of 2024 and my review of Rent to Retirement was based on my experience purchasing a rental from out of state which went very well compared to other experiences I’ve had to go through.

Taking a 15 year mortgage will hemorrhage your debt to income ratio and make it difficult to qualify for more home purchases in the future. 

So pretty good equity position within a year plus cash flowing well based on a $325k purchase price.