Rents/Divs go up with inflation, and capital appreciation occurs at an unpredictable rate.Yes, you’re giving up returns compared to direct RE ownership, but you’re gaining piece of mind.You could try note investing too.

Even if you believe you can stomach the monthly payments, paying $20K a year to carry a piece of land based on the information you shared is not recommended.

Appreciation on the other hand is the biggest piece of the real estate pie.

There is only a limited provision to make additional fixed-amount payments once a year. ...This is one of the pieces I was missing when I read through the thread earlier.  

This is why the GC should be responsible for ordering, accepting delivery on and installing every single piece of product on the jobsite including the nails and screws.

in our area that is a real big deal.. we did another demo and left a few pieces of flooring an inspector came on our job determined they had asbestos in them and we violated taking asbestos items to the regular land fill.. that cost me 19k in fines and 18k in lawyer fees to keep the fines from being really big..

Each of which allowed the seller financed piece on my two biggest loans. 

I have some money put away but I am trying to avoid 20% down on the next property.Any recommendations on how to best finance property #2 with these pieces already being in place?

@Albert Hepp the flawed logic your using to state there must be some conspiratorial aspect to commissions because commissions are all but uniformed over 2%.....We can apply that exact flawed logic to Apples at grocery stores and say since apples, at every grocery store are uniformed at a price over $0.10 a piece, it "must be a conspiracy"........Take off the tinfoil hat. 

It amazes me how some do reject any and every piece of guidance they receive like people have a reason to lie.