When we requested him to cancel the loan and refund us the closing cost - he said it was against his company policy to cancel a loan - even though the loan documents do not mention ANYTHING of that sort.

This is a minimal request (in my opinion, especially if you're paying a premium) and takes no time to do. 

ON the more risk type product we do land speculation and Land entitlements but the returns blow most any cash flow at the the same dollar amount out of the water..

College used to be a lot more affordable, I studied in Europe (where college is free) and it blows my mind to see kids with 200k student loan debt trying to get ahead on a 50k job.The housing market has started to drift apart geographically.

Quote from @Bob Beach: We're selling a few houses in Memphis, and we have interest (letter of intent), on one house that's requesting, "Seller Finance".

Just be mindful of the responses you get to your question.

Keep in mind if you are house-hacking, you will only be able to write off a percentage of the bills.

Hey everyone,I’m diving into multi-family real estate in Los Angeles and California and looking to connect with like-minded people as I build my portfolio.

My wife has never had a specific place in mind, so got to do my choice. 

That said, expect a 24-48-hour response time to requests/negotiations.