And with commissions and delays in buying/selling, along with missing out on the rent income, and losing your loan position where you are just starting to pay down principle, you lose.I'm not forecasting a recession, or skyrocketing appreciation.

If you want to figure out the value logically, you can create a spreadsheet that will show your cost of financing and principle paydown on an annual basis to figure out the break-even date between the seller-financing price vs paying market price, but with bank financing.You mentioned a 40-year term, but is there a balloon?

Same principle 

Anyone know if paying 1 huge principle payment at the end of each year would pay it off faster verses bi weekly payments?

At GenAlpha3 LLC, our mission is to provide quality, affordable housing through ethical management, ensuring safety, comfort, and fairness for all residents.

These are professionals with additional training and a stricter code of ethics.

Anyone know if paying 1 huge principle payment at the end of each year would pay it off faster verses bi weekly payments?

Assets identified in this study include:Permanent Fixtures: windows, doors, bathroom fixturesStructural Components: Roof construction, drywall, wood framingBuilding systems: water heater, electrical distribution, HVAC, plumbingInterior Construction: Wood flooring, stairs, ceramic tileThis engineering-based cost segregation study included the following methodology:Physical Inspection through a site visitDocumentation review including architectural plans, accounting records and construction documentsA cost analysis which utilizes engineering principles in order to allocate costs to their applicable asset classificationsCalculation of the depreciation schedule using MACRSAs a reminder, bonus depreciation started to phase out in 2023.

I wonder if that is legal or not or at the very least not ethical or moral..

But, sustainable success in real estate is built on first of all a thorough knowledge of real estate principles, real estate law, and real estate finance.