6) What are the primary clients that are brought in?

Seller financing can be a great way to sell a property while offering flexible terms and potentially earning a higher return than traditional investments.

(You can't move earlier than a year and get another primary residence.)If you buy a 4br in the $500k range and put 5% down, that's likely $3300/mo or so.

Okay, hard money and DSCR loans aren’t going to have those requirements.Is the buyer buying for investment or primary purposes?

I don't know if I did it right, because I prefer NOT to get a traditional loan for my next property.... and I don't know how to estimate (or even GET) private lender loans.My buy box is;- Something I can use for long term rental AND MTRs.- Less than $25K in rehab- Quick rental potential (<3 months rehab).- Low crime, low foot traffic- Access to restaurants, grocery and job (hospital, university, denver tech center, denver downtown)- COC ~5-6%My preferred method to buy is Sub-To, so I would like sellers (and agents) who are ready and willing to consider this.

Traditional banks , online lenders or?

The strategies you mentioned above seem to be more advanced strategies, but if that is what you enjoy, learn as much as you can and get into it.With minimal income, I would suggest saving up some money, buying a new primary residence that you can house hack, and keeping your current property as a rental.

The sad truth is most in the BP community believe the horrible deal with favorable seller financing where zero out of pocket is required is a better real estate play than the great deal that requires traditional financing.

Bankers are not allowed to charge points on traditional loans so you save money in closing costs and end up with a lower rate.

Planning to purchase in Phx,Az and surrounding areas, my equifax score is 700, experian 645,no debt whatsoever, have 1099 for 2022 and 2023 (required 2yrs), on my 1099s it says i make 135k per year, do not have tax returns (yea, yea), im planning to first start with my bank wells fargo.This would be my first home and at 1st plan to live in it, possible house hack, going for a -$300k loan. should i go traditional, fha , i plan to be on a fixed rate so I dont get surprises later on.In my situation, what down payment amount do you think will be needed .