I don't know any private lenders and hard money makes me nervous since I'm a buy and hold guy and the payback isn't as cut and dry as it is on a fix and flip.

So you too need to develop some reserve accounts - one for repairs, and also one for property taxes and property insurance payments - which are big expenses that are due once a year, but your seller will likely not collect like a bank might escrow for you.Know that seller financing gives you lots of options to negotiate your deal - but that cuts both ways.  

I love Bigger Pockets because 99.9% of the posts on here are legitimate, and the very few that aren't, quickly get cut off by the eagle-eyed forum moderators.

What is the prospect that insurance or tax costs will be cut 30%?     

If you're not looking to invest in anything C- or lower on the neighborhood grading scale, then you can pretty much cut out anything on the East-side that is in Cleveland.

They just cut it off and didn’t have it cut on in their name anywhere. 

I also hear they may be cutting rates soon (but been hearing this for a while now and nothing).

Originally posted by @Jonathan R McLaughlin:@Lauren Hogan I remember the very-much-worth-listening to @jay hinrichs posting about this a while agothanks for the mention.. just like any city its cut into 3 or 4 areas.. from the Hood to very nice.. pick wisely.  

@Grace Galang wow, you are NOT cut out to be a landlord if you can't handle a pesky neighbor!

If you are very experienced, working with the listing agent can give you an edge in getting your offere accepted, but if you are not you really need someone on your side.Looking at your numbers, have you spoken with a lender yet.