Maybe there's an angle for seller financing or some other creative approach to get the seller the total return they want over time, but it's hard to say without actual facts and data.

But you should have a good idea of when that will come due and if you can finance it.

Lenders and Financing• Can anyone recommend lenders in Destin who are familiar with VA loans and can work well with first-time buyers?

I've been at this a while and have over 70% equity in my combined portfolio, and I'm over 50 years of age, so I don't look at creative financing options. 

If you’re looking at retrofitting to separate heating for each unit (like furnaces or mini-splits), you might be looking at a higher upfront cost, but it can shift utility expenses to tenants and improve your NOI.I’d factor in boiler age and efficiency when analyzing deals and if it’s near the end of its life, negotiate a price reduction or a credit.

How did you finance this deal?

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

Quote from @Clint Miller: Seller financing opens up great opportunities for real estate investors, but coming up with the down payment can still be tricky. 

Since the rent roll was too low, she had to secure financing through a private lender that based the loan on market rent rather than the current rent.

I also released my EMD after contingencies so she has some cash to work wit How did you finance this deal?