We found some that would definitely cash flow with a 30% (or more) down payment.

Well, those are my thoughts, and above all, I trust God to guide as I continue in this lifelong journey 

Predatory lease option investors know that and do that by design, they will keep the 5k-10k option payment after 12 months and lease/option it to the next family who is chasing after the American dream.

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. 

They send payment via "Cashapp".

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.

A $100k Heloc payment will be around $750 per month (verified with el sereno client) and rents are $2,300 p/m so you tell me if this is a good idea or not. 

So I trusted Rob and the realtor Charissa Napoles.

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.

I wouldn't trust the tenants "contractor".