I have calculated the late fee and it should be about a half percent total.

SO I PUT DOWN 15 PERCENT !

average +/- a percent? 

Quote from @Ryan McKay: Quote from @John Underwood: ...We just bought a property with 5k down and owner financing the rest at zero percent.

There were THREE HUNDRED FIFTY Aussies on same cruise!

I'd rather see a comparison of dollar amounts rather than percentages - they may have similar percents but the absolute dollar amounts should be quite different.  

I think the 50 percent rule is dumb, but that may be just me.

I find value in the 10k Club because it gives us lifetime access (without Subscription of $97/mo) to his tools for finding deals!

I included stats on percent unleveraged purchases and that many of those fairly low percent cash purchases in fact use unseen leverage HML, private lending, etc and some are short term cash holds such as a flip or a brrrr that gets financed not long after purchase.  

So I did a 3-2-1 buydown and secured a 2.875% interest loan for the first year of the loan, and it will gradually go up a percent each year until it hits my rate of 5.875%!