The icing on the cake Seller financing, if structured properly, creates an opportunity to maximize the sale value of the property.

Needless to say, I like any appreciation that I get, but I just consider it icing on the cake!

The clients my business supports range from contractors, plumbers, electricians, attorneys, accountants, etc so building my team was a piece of cake.

Of course, that would require a sale of the investment.We actually underwrite our properties at a 3.5% appreciation rate, which given the the zip codes (Meridian invests in 9 zip codes in Memphis), price points ($100K-$180K, which is at and above the median home price) and market historic averages, this is a very conservative measure.With that said, appreciation is really considered more or "icing on the cake".

BUT getting the smaller private loan should be cake by putting the bank in a situation where they are in first position with a low risk LTV.

Sometimes I feel like this is a piece of cake while other times I think, there's gotta be an easier way.

Sellers can't have the cake and eat it to although I see them try day in and day out.

Use that as "icing on the cake".Finally, realize that there are always better deals out there.

But it boggles my mind how seasoned RE investors can advocate for debt, but then also talk about cash flow being the objective, and appreciation being "icing on the cake" If you assume some appreciation, that is when using debt mathematically KILLS debt free investing.

I want to get a great deal going in and the other projections are icing on the cake if they happen.