When it corrects there are typically just a greater amount of opportunity especially when there was a large run up to the correction by those who did not follow traditional risk mitigation measures when investing.

@David ShirtsIn my experience, seller financing can be a game-changer, especially for properties with clear titles or when traditional loans aren't an option.

@Maria Jeanette Using a self-directed IRA (SDIRA) for real estate investment offers control over asset selection and tax advantages, such as tax-deferred growth (Traditional IRA) or tax-free growth (Roth IRA).

Quote from @Stuart Udis: Not creative, but good real estate and traditional financing is almost always better than incredible seller financing terms and lousy real estate.

That said, I completely understand your concern about deals looking "too good to be true" when you’re putting in 50% down.To avoid this, it’s best to analyze properties as if you were using more traditional financing (20-25% down).

@Raj VardhanI agree with @Evan Polaski regarding the 6-Month Seasoning Rule: Most traditional lenders require a 6-month holding period before you can do a cash-out refinance.

Traditionally I have sold the builder land and loaned him the money to buy the land and build the house with us splitting up the profits when it sold. 

The problem we are having is much of our current deal flow is below traditional lending terms (<$75K).

If you’re working with a community bank or a traditional lender, these issues may not be as relevant.

I cannot qualify for traditional conventional for multiple reasons but the over 200 to 1 debt to income ratio is a primary reason.