Good luck man, I am around tomorrow fi you want to bounce anything off me (not that I have a better answer than BP)

Three years later he did a cash out re-fi and his property apprised for $140K.Now, perhaps I'm losing the forest for the trees.

I am debating the pro's and con's of using HML for fix/flips with conventional re-fi as back-up if property is not completed or sell within 120-180 days.  

@Tatum F. I

@Seth Greiner I don't know your whole analysis as far as how you got to these numbers, but if the all in amount is about $9k (after re-fi) and you can make $200/mo in cash flow, that's COC of about 25%.

For what its worth, I was a licensed mortgage broker in SC for a number of years and I agree that finding an originator that I could trust would be knowledgeable enough about state exemptions to the SAFE ACT (assuming there are any for SC) would be difficult.My guess is that most licensed brokers/originators wont see enough value in originating seller financed transactions on mobile homes when considering the potential for risk and possible future liability if one of those closed loan files happens to be audited during their next state review, or an evicted buyer wants to litigate....I know I certainly wouldn't have when I was in the business.For anyone that would care to comment, please correct me if I'm wrong on anything stated below (I will be the first to raise my hand and acknowledge it if I am):-I know there are LICENSING exemptions in my state... apparently I can sell 4 mobiles per year without needing a dealers license in SC.-I

Most of my financing will most likely be achieved through savings, re-fi on my current properties, and cash due from seller on purchase deals. 

I'm a newbie and I'm interested in doing a house flip in Charleston, SC.  I

Have you considered what term and loan type you'd do on a re-fi?

Maybe you can find a mentor there also.Good luck, Semper Fi,David