Terms such as interest rates and payment schedules are typically negotiable.Combining creative financing with seller financing can include strategies like:Subject-to and Seller Financing: Taking over the seller's mortgage and financing the equity portion through the seller.Lease Option: Renting with an option to buy while negotiating seller financing for part of the purchase.Wraparound Mortgage: Keeping the seller's existing loan while they finance a new loan that includes the balance.To proceed, consider connecting with experienced investors, understanding local legal implications, and attending networking events to gather insights.

The rates are great, but you definitely have to work with someone that knows what they are doing...

I've just been swamped, showing properties, with everyone trying to tie stuff down before rates go up again.

✅ Interest rates you're comfortable with?

Rent rates have increased so quickly over the last few years.

@Tom Rairdon If you’ve owned your short-term rental (STR) for over a year, it likely qualifies for long-term capital gains (LTCG) treatment, taxed at lower rates (0%-20%) compared to your 33% ordinary income bracket.

The market is in a extreme state of flux due to interest rate volatility.

Get a good cap rate basically covers your financing and ideally 20% more for maintanance, prop management fees.

Rentals also build equity through tenant payments and appreciation, with profits taxed at lower long-term capital gains rates when sold.

I am seeing interest rates start in the mid 6% range for foreign nationals here in Florida.