Hi KaushikI agree with Jaycee's advice.

Recommend RARELY to agree to that!

--I would agree that this market has opportunities for seller finance as a record number of properties in the US are paid off. 

@Bayo Badejo Agreed, that Zip touches a lot of different areas, from the national park to south of exchange.

Agreed.

They agreed to pay in accordance to the lease and failure to manage to the lease is the #1 reason why landlords fail (Source: American Apartment Owners Assn).Cowboy up and stop having the tenant control your ROI.Best.

I agree with @Nathan Gesner on gas vs electric as well as the capex to do the switch.

So I would agree to instead get a lender that you can scale with.But it looks like you got a credit union to give you a good rate, better than most as well 

Here are a few strategies to consider for funding a down payment:Partnering: Like Gregory mentioned, finding a partner who can contribute to the down payment in exchange for equity or a profit share is a solid option.HELOC or Cash-Out Refi: If you have equity in your home or another property, a home equity line of credit (HELOC) or cash-out refinance can provide the funds you need.Private Money: Reach out to friends, family, or private investors who may be interested in lending you the down payment with a promissory note.Seller Second: In some cases, the seller might agree to finance a portion of the down payment as a second mortgage.Live Frugally and Save: It takes time, but reducing expenses and setting aside funds from your income is a tried-and-true method.The right approach depends on your situation and deal structure, but a mix of creativity and resourcefulness can go a long way.

You would then stress to not incur any improvement cost above $22,000 or you may have to liquidate the property.In this scenariod, $60,000 if you are making an above return at 10% to 12% annually + $30,000 making $4% in a HYSA, the average return is maybe around 8%The blended return would be about 9%You may be better off investing in the stock market, get a slightly lower return but without all the added stress / work.I have to agree, I forgot about the 65% LTV with SDIRA mortgages.