Take a few deep breaths, everything is OK.Mike

What a breath of fresh air to find people who see that Real Estate is not a zero sum game.

Network and build your surroundings with people who breathe, eat and sleep real estate.

I want to offer $250 (up to $260K) I want to sell for $275 (no less than $270k)600000 * .75 = 450,000 - 170000 = 280,000 - 10000 = 270,000   as minimum allowable offer... the training program taught us to use .8 for buyers margin - but in this case, i assumed it would take a bit longer to complete reno - so I changed to .75 - giving them a little more room to breathe...

Take a breath, think things over and post a few if/then questions here on BP for comment.

I have looked around and there seems to be as many ideas on how to do that effectively as there are people breathing. 

Do the 30 to give you breathing room and pay it off in 20 if you have the cash.

Well, knock yourself out...wait as long as you want, just don't hold your breath because even the best divers can't hold their breath as long as it will take for you to get your wish.Some people have been waiting since 2015 for a 20% drop...well, prices are up 20% since then in some areas, so a 20% drop now that sparks you to buy just cost you three years of rental income. 

Should they have their money out ASAP or do they have some breathing room?

I'm still waiting to hear back from 3 others but I'm not holding my breath.