...of a seller financing offer? I've read there are many types of deeds. Thanx!

That being said, predatory lending is usually either 1) lending at exorbitant rates, i.e. usury or 2) lending with the intent for the borrower to default so the lender can claim the collateral.

Many banks require a year or two tax returns showing that you have experience managing the properties which may be the most difficult thing depending on how long you've had them (your income itself really shouldn't be a huge factor based on those numbers)Your existing properties could be offered as collateral as well, but that's a bit higher risk and I wouldn't suggest it.Another option would be to "house hack".

LOTS of "Hard Money" lenders that aren't true collateral lenders, though (meaning the asset, not the borrower, is what qualifies the loan).

From what I understand, a HELOC is a line of credit that uses your home as collateral.

What you want in your seller financing offer; early payment discount, subordination clause, stutter clause (able to miss a payment ), right of first refusal, and a substation of collateral clause.

When you go to the bank, talk to them about getting a business LOC with your F&C 4 plex as collateral.

So i put together some some numbers, and tried to run some calculations.The numbers:I was doing this for fun, so i just wanted to keep this hypothetical simple1) I decided that the house in this situation would follow the 70% rule2) I figured an ARV of $100,000 would be easy to work with3) I could'nt find any numbers on what other people are charging for rates on deals that       they are exiting with owner financing with, so i chose to just go with 3.9% because I know   that interest rates are super low right nowWhy i thought owner financing might be a cool exit:1) You can get a large down payment for your property (30% in this hypothetical)2) You can generate a long term cash flow while avoiding the costs that are associated with renting3) Your investment has physical collateral; the property that you are holding the note onNow it's time for the Hypothetical: Say you got into a property using the 70% rule and financed the deal with cash as and were also the contractor with the intent to flip the house for $100,000 house (ARV).

I've also heard that I could use the equity as collateral towards the purchase of a small apartment complex.

If you are getting an amazing opportunity and in the cost of the opportunity there is room for private financing and you need to close quickly then Hard Money/Private Money is a great solution  and there are companies like mine that offer cross collaterized loans or quick cash out loans to purchase other opportunities.