I would need to put $45,000 down upfront, with a monthly payment of about $650.

It won't change the payment unless you refinance.

The problem is that your debt payments are going to basically wipe out that $400K profit unless there is room to increase revenue or reduce expenses.

THE NUMBERS: With a purchase price of $7M, my Investors and I put down $2.7M as the down payment on the property.

We would all love to have that note that has 5 years of perfect payments, 800+ credit score and a 20-25% down payment. 

100% of the deals I've done with Safeguard have had late payments and/or major issues. 

The new buyer puts down 10% as the option fee, ($50,000 fee to our buyer) in this case, and we make the rate 10% to the new buyer for the monthly payment. 

My payment with insurance & taxes is $1425 a month.

Seems like I could possibly get a duplex with that kind of down payment. 

You could structure the deal with seller financing to bridge the gap.Possible offer structure:-Purchase Price: $170K - closer to actual value-Down Payment: Low or zero down to conserve cash-Interest Rate: 3%-5% - or better yet, 0% if the seller will agree-Monthly Payments: Interest-only or deferred until the sale-Balloon Payment: Full payoff in two years when you sellIf he wants $200K, you can still make an offer of:-$170K purchase price + $30K as a second lien due at closing-Seller carries $170K at a low interest rateHe would feel closer to his number, but you still keep within reasonable investment limits.2.