We'll only do it if we can access the funds immediately. 

But even then, seller financing is rarely substantially better than another investment they could make (including trust deed lending, which will often be at a higher rate than seller financing)In my experience, the owners who find owner financing advantageous are at the ends of their careers and are not interested in looking for another investment (other than the usual retirement funding sorts.)

See the fact that mortgage rates are up about 1% from Oct when the fed started to cut the fed funds overnight rate as evidence. 

If you’re not willing to do this, then you may be best off investing in some kind of real estate fund concept.  

For a cash out refi, you are generally limited to 75% LTV and rates right now are in the mid 7s for good credit and a DSCR over 1.0. 

We’re fortunate to have an above-average income and live well below our means.This summer, we’ll be moving to Detroit (PCSing in August), and we’ve saved about $120,000 to invest in addition to having funds set aside for the home we’ll purchase in Detroit.The reason I’m posting is that I’m struggling to decide how to best allocate the $120k.

There is a lot of public info out there on their funds and how they are (not) performing.  

I’m not suggesting you shouldn’t consider this opportunity because my current company has about 50 homes throughout New England with about 1100 employees and is well funded.

This active income can help me fund my retirement as well as help me get reimbursement for home office and health care premium while lower my tax liability.

.•30-Year Fixed Mortgage Rate: 7.10%•15-Year Fixed Mortgage Rate: 7.35%•Fed Funds Rate: 5.25% - 5.50%•10-Year Treasury Yield: 4.45%•Housing Inventory: 632,000 active listings (33% with price reductions)With home affordability still a concern, any shift in rate expectations could have a major impact on both buyer demand and investor financing conditions.What Analysts Expect from This Week’s DataCPI Inflation Report (Tuesday, February 13)The Consumer Price Index (CPI) measures changes in the cost of goods and services, serving as a key indicator of inflation.