If there were not the 20% knock on the comps, I'd be in tall cotton, but that's where I'm stuck.She's just not really very good at her job, and I've tried to have her excluded from my future business dealings and from the second appraisal to no avail.I still feel like I have an advocate with my banker, and she's fighting for me tooth and nail on this...she carries some weight there, but again, I don't know the regulations, and I'm hearing that they have gotten more difficult. 

I know that from personal experience, too.

The reason for doing this needs to be considered too, the time frame, usually it's less than a month and done so that a buyer can close on their home and move in.

If you did not include every item, the pricing would work out to less than minimum wage.We would have to include for things like masking, removing and resetting fixtures, removing and resetting furniture, cleaning, wall protection, floor protection, caulking, disposal etc.

I was my own agent on both transactions so I made money there too.

This is how the IRS sees it, too.

Seller financing should be icing on the cake or possibly a way to get the deal done if you can't qualify for a conventional loan but it should not mask a deal that doesn't make sense.If you want to calculate the value of you buying with seller financing you can calculate the Present Value (PV) of your deal based on the concept of time value of money being that money paid over time in the future is worth less than money paid now.

Look at East Russell too, the amount of new and re-development happening there is intense.

Sometimes that can mask true profitability.

My question is, do you ever keep these loans longer then you have too?