I had another local realtor tell me it might be worth a shot at least trying to fill it as an MTR for the first 3 months of 2025 as I don't owe my first mortgage payment on my new home purchase until March 1st of 2025.

There is still plenty of room above how much the mortgage is.Honesty and trust are important and it seems you're not getting that.

If you are ever looking for a good contractor he is someone who I obviously trust. 

its kind of a trade off because i can get a newer property at a higher price and down payment, or get something older, less down and then use that money to fix what i need to fix. 

Hey Chris would love to visit.  100% of my business is helping clients in all 50 states with purchasing vacation homes/STR properties. 90% of my clients use the 10% down loan because the lower down payment requirement and rates/cost similar to a primary residence.

Did they have bank statements showing utility payments for the rentals?

I'm curious what anyone here thinks of the owner financing terms.Listing Price: $374,900Down Payment: 25%Term: FlexibleInterest Rate: 6.25%7-year balloonThe property's net income over the past 3 years is averaged at roughly $42k per year. 

1. overestimate ARV2. underestimate repair costs3. trusting contractors4. doing anything DIY or without permits5. not counting holding costs, especially with hard moneyThose are five common ones.

They send payment via "Cashapp".

At $200k I'm guessing you would still cashflow even with such a small down payment.