If her goal is to provide some of the proceeds to her ex in good faith, she can simply sell the property, have a tax professional estimate the taxable gains.

Quote from @Brad Kremer: Hi everyone,I own a cash-flowing duplex in Austin, TX, that I bought 8 years ago when rates were considerably lower than they are today.

In this case, you can use Rental Income from the units that you will not be living in and that income can count to help you qualify.FHA rates are going to be lower than conventional for you almost always, but FHA does have a 1.75% funding fee. 

Properties in flood zones are harder and more expensive to insure, which lowers their perceived value and makes them more difficult to sell.

All of this equates to lower returns with turnover costs, being the primary one.  

I was reading up about it, and saw that the cons of oil heating include needing to top up the oil supply, lower efficiency (than gas and electric), and potential leaking of tanks leading to environmental issues.Is anyone familiar with oil heated homes?

Get a nice downpayment (lower LTV better)Hope this helps

I got 800+ credit and great mortgage offers so only reason im doing this seller financing idea is that its lower monthly cost

The result is typically less loan proceeds, lower rate, worse terms, etc.

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