Hi,Have a deal in place, price is agreed, owner will carry, everything is good as far as terms.They want me to sign the contract and include the 10 percent down with it on the same day. They live out of state and are ...

The majority of my visits are in Fl, Ga, NC & SC. I

To do that figure the payment on a FI calculator and enter that as your payment, take the loan amount and subtract all costs in getting the loan and enter that as the PV, enter the loan term as N and then solve for I the interest.

Or if a property is in a hot area and would shoot up in value I would accept less cash flow for a gain equity that I could cash out either by a re-fi or selling it.Hope that helps.

Does anyone know how long a title has to season in Texas before a lender will do a cash out re-fi?

Even while i was living in SC i bought 2 houses, and made a little money of them.  

I really mean that when I say they almost break even for their time.So fi you want this property you need to start dialing around to see who will fund it.

AAAANNND At my situation,  FI for some 6 yrs and full time REI,  Mindset is still the #1 issue, problem, solution, path out of the darkness. 

If you got a 2.3% interest rate, and the housing market is kind of flat, don't cash out re-fi. 65% equity is great, keep it, and let it grow some at that 2.3%.  

My partner and I have reached out to a few larger/national banks in the area and they do not have an option to do a cash out re-fi for a property of that low of value.