Just do it, tell them to send you some gift cards for the inconvenience lol otherwise they might have to call your note if its in their legal reach. 

@Joseph FennerTo acquire 167 rentals, use creative financing strategies like the BRRRR Method, seller financing, partnerships, joint ventures, HELOC/Equity Loans, portfolio loans, credit cards, and business credit lines.

You pay 4%  credit card fee . . 

Tenants, "go into Holiday-mode" and start spending disposable income (and racking up their credit cards) on Thanksgiving feasts & trips, Xmas presents & trips, and finally NYE plans.3) Income Tax Refund checks start being received towards the end of February and corresponding, the rental market starts picking up again as tenants payoff their “Holiday Hangovers".4) Spring Fever starts, sometime in April-May, causing both sales & rental markets to start picking up.

In that example, I was imagining that the investor made upgrades and improvements AFTER closing, either with their own funds, a personal loan, credit cards, etc.  

National savings rates have plummeted, increasingly reliant on credit cards to fill financial gaps.

Jonathan,Unlike credit cards with "Intro Rates", HELOCs are a standard banking product. 

Cancellation policy is full refund less cancellation fee of $200 and any credit card fee is cancelled greater than 60 days prior to arrival, 1/2 refund of total if cancelled 60-30 days prior to arrival and no refund if cancelled less than 30 days prior to arrival.

I think more people do not understand the risk of seller financing. all the people I see applying for seller financing could not get a visa card there credit is so bad and there savings is from the pennies they find walking down the street. 

I also do a Christmas card with some cash at the end of the year.