I calculated her monthly payment is 1300.Since it is a vacant investment property where she will be taking a loss at sale and has been on market for 60 days, I am thinking seller financing may be mutually beneficial.I am planning to make 2 offers:300k with conventional mortgage.

Best advice is to learn from others and take calculated risks.

A financial calculator and legal pad might work in the hands of someone who knows what they are doing, but that doesn't mean it's the best way to do it.

Use tools like the BiggerPockets calculators to run the numbers and ensure the properties align with your investment goals.## Financing OptionsFor Hard Money and Private Lender financing, it's crucial to build relationships with local lenders.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

Success in real estate requires courage, perseverance, and the willingness to take calculated risks.Internalize these principles and apply them in your real estate endeavors, and you will be on your path to success.

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

Understand the fees involved and calculate the total cost for an entire year of management so you can compare the different managers.

From the looks of it this thing is no worse than the BP Calculator.

Sterling,Each lender is different on how they calculate income and also what overlays they have that can cause a bad income calc.