We have also negotiated attractive loan structures with many lenders including reduced fees for our community, free refinancing, lower rates, unique portfolio options, etc.

With newer notes especially, partials reduce the discount.I'm not a fan of balloons for seller financing - especially shorter than 10 years.

Maybe half upfront and reduce the rate of interest on the balance..

Capitalize renovation costs to increase the property’s basis and reduce future taxable gains.

So they often will reduce the leverage of the loan (getting 65% instead of 75%) or deny it (which isn't as likely). 

Points, often referred to as discount points, are upfront fees paid directly to the lender at closing in exchange for a reduced interest rate on your mortgage.In a hard money loan, closing costs typically range from 2% to 5% of the loan amount, similar to traditional loans.

If the market is tough, I reduce the rent rate over the full 12-month term.

This type of deal can also help you minimize upfront costs, as you’re reducing the cash needed to buy the property outright by aligning the seller’s financial outcome with yours.While there may be details to work through, such as crafting a solid contract or ensuring alignment with any financing you bring in, these can be easily addressed with the right team in place.

2.Are there strategies to reduce the required down payment or secure better mortgage terms?

Selling at FMV avoids the gift tax but provides your child with a higher tax basis, reducing their future capital gains liability.A better strategy for selling below FMV is to sell the house at FMV on an installment note, then forgive interest and principal annually up to the gift tax exclusion amount.