I put 30% down to reduce risk and create more cash flow.

Using seller financing allows your in-laws to spread their $217K capital gain over time, reducing their immediate tax burden and helping you conserve cash.

Matter of fact they should not reduce interest rates because that will fuel inflation.  

You won't find a deal where you live for free, but if you can live in a great neighborhood at a reduced cost of living that is a nearly risk free way to get started in real estate. 

This could reduce your taxable income in those years.Your decision depends on your long-term strategy.

The real value of an agency should be in reducing your workload, not adding extra oversight.On a related note, having worked in this field and provided these services myself, I can confirm that the pricing you mentioned for cold callers is too high.

Also prevented us from making wrong statements on our part which would have reduced the claim.3.  

Depreciation, mortgage interest, and expenses can reduce taxable income.

This lesser-known strategy could help you save money and reduce your monthly payments without the hassle and cost of refinancing.

To avoid reducing your lifetime exemption, you could gift equity incrementally, but this requires proper legal structuring (e.g., fractional ownership transfers).