Hey everyone
I’m looking for ways to find multi family deals in Southern California. Also, looking for any advise getting into the space. Married 31 male years old and hungry to learn and grind to reach the goals I ...

It may or may not show on a credit report, depends on the servicing and you should have the loan serviced.Failure to include the debt on a future loan application is mortgage fraud, wanna go to jail?

Best bet is to try local and credit unions, possibly may have some programs for better rates.

Quote from @Raymond Kalonji: In your opinion, what would be a reasonable minimum credit score?

Local banks and smaller credit unions are most aggressive in this space.

Keep your payment at no more than 35% of your income and minimize your credit card and auto debt.  

Credit cards have the same limitation on the amount you can borrow and will likely end up costing more than private lenders.

Seller financed (probably) won't be reported to the credit bureaus and so won't impact your credit score at all.

Based on what my mortgage broker told me a couple of days ago, these rates are in the low 7%'s, whereas the secondary home loan is low 6's.

The buyer representation agreement states that the buyer commission amount offered by the seller (usually 2% to 3%) is credited/refunded to the buyer.