I have purchase owner financed at below market rate at retail price.  

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. 

@Jason Stoferif you can get a property owner who will sell at a great price then put it under contract and wholesale it.

We were under contract for another place and walked away because of a 2" drop in the house in one corner caused by the foundation not going below grade and the owners not willing to do anything.

Income for 2024 is 66k gross as i believe the owner didnt put effort to gather high ratings or make it perform.I was hoping to write off the negative cash flow against my w2 income.

For example in many jurisdictions I can STR units in a duplex but cannot STR an ADU (some jurisdictions will let you STR if you owner occupy).

Our portion out-of-pocket was the $3K deductible.I'm friends with numerous apartment owners. 

I’ve considered mid and short term rentals, but from what I’ve seen, Baltimore city unfortunately does not allow new short term rentals unless the property is owner occupied. 

The last two investment properties I have purchased was for cash, so I must have made the absentee high equity owner list.

@Andrew Pierce Where to start....first the high levered physician loans are intended for owner occupants.