Get a couple good RE books (there was a thread on here where BP members listed their faves).

Whereas typically subordinate Helocs (or even 2nd lien helocs sitting in 1st position) are some of the first credit “fat” to be cut.

If you're still worried get a parent co-signer, or fat damage deposit.

Or, when the fat pig sings & flies.

The answer is a big fat NO.

in order words, is it better doung it face to fave or in a class or onlune option is as good ?

In order for this owner to be in a position to do owner financing on a $1,000,000.00 property it means he is a fat cat with allot of experience who will take 10 to 20 new investors just like you and eat you for breakfast. 

We thought these were old rat dropping dating back since the 70s, until we discovered two fat rats that were still alive and well.

If you have 10 million to invest you can live pretty fat on just talking a partial amount of 700 to 800k each year so it's all relative.

if you are a cash buyer, they have a nice fat 10% down payment, they are sitting on !!