Purchase price: $990,000 Cash invested: $350,000 Purchased this home with my former partner back in 2018 and we put 200k down.

My lease requires professional carpet cleaning, which would cost more than $500 for a home of that size.Yes, it's reasonable to reduce the cost because she was such a long-term tenant.

My idea is to put 20% down on a $1 million property, with the remaining $800,000 paid off over 8–10 years, depending on how much yearly income the seller would want.I’ve seen a lot of discussions about using seller financing for investment properties, but not much when it comes to primary residences.

I am just beginning my journey as a wholesaler with zero money and zero knowledge.

I'm eager to learn about how to find and fund properties that help my family financially and my community with affordable/reasonable dwellings for young families and newlyweds.

@Rolayne Taylor We are just alike I started in 2019 with my first house hack.

I don't want to refinance because my current rate is under 5% and doing so ruins the cash flow I've got right now.

My goal is to have passive income!

Your scenario is possible but not probable...admittedly I have never done what you suggest I've been the seller financing sales in my IRA, but I have read several BP contributors that have substituted collateral.

Good potential for appreciation/rent growth upside as well in the next 5-10 years in my opinion with the market still being one of the most affordable in the country.