ABC Baltimore’s appraisal was still lower than $106,000 expected per contract.

Find a realtor that will submit the offers and lower your cost basis enough to where your returns get a bit of a bump. 

So could you get a similar return in the US where the risks are lower?

It’s also a much lower priced house than the couple I have now and I can afford to hold this and pay the mortgage with no occupancy. 

for some of us "regular folks", a tidbit of info here to lower the appetite if you are not in that class of investments:"Regulation D, Rule 506(c)" refers to a specific exemption under the U.S.

I'm looking to start off in areas with lower costs coming in, preferably under $100k single families but definitely under $200k. 

If it's not selling, you need to lower the price.

You can get some insurance on unpermitted units, a lower coverage amount than for a permitted unit and will have difficulty rebuilding it as a permitted unit at the covered amount (which makes sense because its value is less than a permitted unit).  

The reality is many lower rate offers have a higher price or are $hit properties, but not all.If you are paying extra for owner financing make sure that the discount rate easily justifies the purchase price.  

I know that my COC my be lower, etc but my main concern since its my first property is being cash flow positive.