Hi Antonio,Here's my advice as someone who just graduated and felt similar:See if you can't have your cake and eat it too.

That's some serious cake being brought to the table - just from a down payment perspective, not to mention what the property looks like and the borrower strength and experience. 

You already had a very arrogant tone in your original question, but your response takes the cake.  

Anything additional is icing on the cake.

Short Term Rentals near Disneyland are now banned by the city of Anaheim. 

I view any appreciation as just icing on the cake but don't really factor it into my upfront underwriting.

No seller (I assume this seller financed) is going to let you have your cake and eat it too…..there is much greater risk to the seller/lender with you putting only 5% down.

Appreciation is just icing on the cake.

I see you're in Anaheim Hills.

I have a couple of properties I own outright, of a type that is in high demand, and it *seems* like there may be the opportunity to have my cake and eat it too with seller financing - given the market conditions, I could price at a premium, and open up the buyer pool to those who need financing but bypass the necessity of an appraisal/conventional loan qualifications etc.