However, the total paid out to seller is $10k + $36k (over 10 yr period) + $60k (balance at end of term) = $106,000. 

Placing a value on lost business has a tendency to resonate with a commission only individual too...Regards,Scott Miller

Hi BP Forum,I am thinking of making an offer on my first owner finance rental.Terms:Long term tenant 6 plus yearsRent $700Transitioning neighborhood, brand new beautiful new construction 180 units subsidized housing across the street.Asking 37,000Offer5k cash200$ month on a five year payment schedule ($12,000 over course of loan) - balloon due at end of 5 years.

When new businesses come to an area, there’s a tendency that more people will want to rent/purchase homes in that area creating an upward interest and in turn, an appreciated value for that market.

Term: 5 yr fixed (I'm at end of 2nd year).New loan limit approved at $464,000 (80% of newly appraised property value).HELOC agreement drafted with: fixed portion $397.5K at 2.89%, revolving portion $67K at 3% (prime + 0.3)Cash out blended rate: 2.83% (blended between 2.89% and 2.64%)The term in either scenario remains the same - 3 years remainingWhen I tried to get my advisor to switch gears to a cash out refinance, he argued that HELOC is still a better product.

Competition has a tendency to destroy profits.

Most people are attracted to people of similar financial backgrounds although spenders and savers have a tendency to hook-up too.Are there kids?

There's a tendency towards podcasts and posts of being all REI rainbows and unicorns.

Best to be conservative in your evaluation rather than optimistic.Jon, I agree that there is a tendency when analyzing a deal of pushing numbers to make a deal look good.

Last Year at the age of 19 I decided to go back to School and finish in order to grab my diploma and proove to myself no matter what you can always push yourself a bit further.Luckily I was born with a good head on my shoulders and despite being abused I always knew I could do great things in life If I just belived in myself.After atending various seminars ie Anthony Robbins and Dr John Demartini I started to get the crazy idea that at the age of 20 I could outshine every single other teenager/young man and really live a passion filled worthwhile life.So I've decided that this year I'm going to go full throttle into investing and make a great life for myself and one day future family/friends.However I have a major problem and this is where my ' Tough Question ' comes from.I've worked various jobs and because I never held myself to high esteem they were always bottom of the barrel, retail or temp jobs that usually had a manager who treated you like dirt thus giving me a really nasty taste in my mouth for ever wanting to work again.To be frankly honest, I dont want to ever work again.