My agent is saying that we are unable to split the contract that way (or reduce the purchase price), so I'm trying to figure out options.

You can simply list it as a $300k sale and list Seller Finance as one of the financing options in the MLS.

The challenge, as you’ve discovered, is that traditional HELOC lenders typically want the property titled in a personal name rather than an LLC.

I have a few properties and am also a mortgage broker, happy to answer any questions about general investing or financing options.

Reach out to a loan broker with your exact info and the exact or at least type of property you want to buy and they should have options and opinions. 

Then ask them what your options are to reduce payments in the future.

Rates can be very similar to those of conventional financing (Fannie/Freddie - full doc loans that you will need to prove income to get), but typically a little higher than conventional financing. 2nd - Networking and partnerships! 

I am considering purchasing empty lots priced roughly $10-15K below market value.My plan is to offer owner financing for the land.These lots have water, drainage, and electric connections available, and mobile homes are permitted.The area is experiencing significant development, with the lots surrounded by new single-family homes.I would really appreciate any advice, feedback, or suggestions.Thank you It would help if you shared what you plan to buy them for other than just saying they’re 10 k to 15 K below market.List Price: $55KMy Offer: $45KPlanned Value Add:Install fenceBuild drivewayCreate a mobile home padExit Strategy:Sell via owner financingConsidering the option of adding a mobile home as wellIf you like this post, please consider voting!  

Best of luck,Travis Hey Kevin,Since I definitely want to look out for your best interest, I repeat that investing out of state is the best option when you currently live in the very landlord Unfriendly state of CA.In addition, I never wanted a quad to live in as I just never liked the idea of living next to - above or below others.  

would love to see a seller finance specific calculator that has a option for 1031 exchange from buyer bringing in down payment.