Hi Chris - Fred & Tracy are very helpful in the seller finance space and are very reasonably priced.

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

If you are looking to fix and flip, just make sure you look for a 12 month term, non-dutch interest on the rehab funds (this means you do not pay interest on the rehab money until you use it), no prepayment penalty, and avoid any lenders that escrow your payments at closing.

We went all in on renovations—tore down a chimney to open up the space, put on a new roof, installed HVAC, updated floors, and completely redid the kitchen.

I have so much knowledge on start to finish process for obtaining non performing real estate and making them quality spaces for people to live in as I habe done in 4 properties over the last 10 yrs.

So, a BUYER that needs owner financing...what if they just used "non-traditional financing"?

In the commercial space, different rules may apply.Other than this, you'd have to discuss the logistics with your broker.

Still, based on all the non-verifiable hyperbole used in his presentation, I passed.

I have seen a few house flips where I could tell there was no effort in thinking about the functionality of the space and how that affects their sale. 

Properties also have specific risks depending on if they are industrial spaces, commercial buildings or multi-family units.