Here are some general guidelines: Lien Position1st Position LienEquityMinimum Down Payment of 20-25% (a 30% equity to sale price is preferred)Down Payment made in certified funds and not borrowedMaximum Funding of 70% ITV (Investment to Value)SeasoningMinimum of two monthly payments already made12 months or more preferredPayer CreditCredit Score of 650 or higherNo major derogatory trade lines (No 90-180+ days delinquent, foreclosure, repossession, bankruptcy, etc.)No decline in credit since purchase of businessTermsPrefer 60 months or lessMaximum of 72 monthsNo Balloon Payment preferredCash FlowBusiness has positive cash flow1.25 debt service coverage ratio preferred.DocumentationPersonal guarantee from a creditworthy individualStandard documents including Note, Security Agreement, and UCC-1 filing.Tax Returns on the business that substantiate profit and loss statements.OtherPayment history current and verifiablePayer Interview indicating buyer is satisfied with business and comfortable making paymentsMotivation for selling the note is not a result of a deteriorating businessConsideration of high risk businesses or geographic areasIn these situations, sometimes a partial is a better option. 

I just bought a new-build townhouse in Nov 2024 that included a washer, dryer, fridge, microwave, HVAC, etc. for $240k.

I completely understand why that clause is there and I'm happy to have it for many reasons including protecting my tenants and my property from damage, etc.

If every rental listing has a washer dryer included that market expects it and you should have them there.

Our buy box specifically focuses on vacation destination accommodations - including boutique motel/hotel, campgrounds, treehouses, cabins, etc.   

We now include insurance contingencies in offers for more areas, certainly around Tahoe, but also in other urban interface areas.

I've even had tenats bring their own range, but usually that's included in the lease as are dishwashers. 

Local or out of state work if the deal is right. in fact, consider including the numbers for a property manager anyway.

Common tasks include guiding (for example, blind, severe physical disability), alerting (severe diabetes, seizures), retrieving/operating (pushing buttons, switches, etc).

There is no one with experience in actual real estate high up in the company, which is the problem with most tech companies masquerading as real estate companies (including brokerages).Let me know if you want to know even more. :)