Experience will dictate the amount of any LOC and rate and term. 

The rates are higher but the terms are great. 

What are some pros that I can highlight from the seller’s perspective.Here are a few that I’ve come up with:1) monthly income at a higher interest rate;2) avoiding a larger tax bill by reducing the purchase price (on paper);3) a promissory note that they could potentially sell down the road.Any other major ones I am missing?

We just have to hope mortgage rates decline a little bit in 2025 while the supply does not drop so that we can have more home sales in 2025 compared to 2024.

With rate changes happening, not sure how much longer that will be an advantage. 

But then i ran numbers and realized that at current rates i have to pay 4300 (3300 Mortgage, 1000 Prop taxes ,900 HOA) . 

You take a short class 30 minutes over the phone and once you finish this process you typically can save around 1% off your rate!

You will also have a credit on statement for pro-rated taxes due to buyer.  

I have a clause in the lease that says the security deposit will be held in so and so bank with so and so address and interest rate will be xyz.

For negotiations, it’s all about working out the down payment, interest rate, and loan terms.