It provides an interesting blend of benefits: life insurance to hedge against your death (only relevant if you have family), a cash value that you can borrow against (and is guaranteed never to go down, despite market downturns...so you can hop in during a down market with your own private funding mechanism!)

I would recommend a blend -- get a 9-5 W2 job that gets you in "the game" (I.e.

Another benefit of owner finance on a second is you can blend the rate down.

They would LOVE to get 6 plus cap rates and over the years blend up the cap rate to the 7's and 8's.  

So if you look at your weighted average, you are talking about a blended rate that is well into the mid 5's and subject to continue changing over even just the next year or so.

And the blended return is superior for the risk involved.

Update: I finally closed on the loan with US Bank—- it was a process but I had my loan transferred to a higher up and the loan process went seamless from then on.

What a perfect blend of convenience for both parties.

I feel that in order for any deal to go seamlessly each side has to be very well informed and knowledgeable as to all cost and all risks assumed.

I use a blended approach like many portfolio managers use with stocks and bonds.