To win at seller financing you overpay on the price and reduce on the terms.

You can make more money two ways; earn more money or reduce costs.

Whether you're starting a business, or investing in a property, you should try to reduce your risk as much as possible.

(Not actively purchasing as my money is tied up in the market right now)...so with the 2 lenders i've gotten here:STR DSCR Rural (not a log cabin or other non-conforming structure) just remote sfrHybrid loan 15% down, interest only investment loan with seller paid points to get to ~8% and reduce closing costs DSCR would use long term rental rates to establish monthly DSCR and then offset monthly with average DTI and 800+ credit and high cash reserves as long as DSCR is .75+additional appraisal to establish STR rate estimates to be used alongside the standard long term rental rates5 year prepayment penalty with reasonable terms

If your goal is financial freedom, you'll need a rental income that can replace your current income and must increase fast enough to outpace inflation.Inflation increases the cost of goods and services over time, effectively reducing the value of your money.

Because my first CPA was a tax filer, which means she was very good at filing my taxes but she couldn't give me strategies to reduce my taxes.

Even if you have money for the 20% down, it's not wise to spend your last dime making that down payment and leaving yourself vulnerable to losses from a bad tenant or maintenance costs.If you want to be a successful investor, increase your earnings, reduce your expenses, save up, and buy wisely. 

@Basit SiddiqiAgree for example would you rather have 13% net but deal levered 75% or a deal no levered at 8% net.On a 100k investment I would take the 8% deal every day as I will gladly pay an extra $5,000 to reduce my risk substantially since in option 1 the deal can go to zero in option 2 realistically it would be really poor management if it lost more than 10-15% of your capital.

He seems to suggest starting with a property that requires light to moderate repairs, reducing the risk associated with the investment.

.- Buyers earn a reduced yield but hold a valuable option.Much in the same way that equity yields are reduced in up markets when bought with put options.How often do you buy/sell debt with put options?