We are just wrapping up selling a property where the CoC was 6.3% and the net annualized return on the actual sale (forced equity from a remodel / reposition + appreciation) was 37% compounded.

Atlanta has an abundance of investors so many may surely get discouraged and bow out.

Most of us need income today so that with the incredible power of time, compound interest and money, we will have security.

Depending on compounding type, you can estimate interest rate by dividing the total interest paid during the first year by the loan amount.So, if you're borrowing $152K ($162K-10K down), and paying $12K in interest (12 months x ($1100 - $100)) then:interest rate = $12K / $152K = 7.9%Obviously you could get a better rate at a bank, but there may be some advantages of seller financing that would make the higher rate worth it depending on your circumstances.

This is compounded by the fact that if you send any written communication, the borrower can give it to his attorney to look for flaws and use it as a negotiation tool.Debt buyers being exempt from those shenanigans would be extremely welcome as we could focus on actually helping the borrower.CFPB is the consumer financial protection bureau.

You also don't want to disrupt the compounding interest that the 401k is producing.With respect to FHA, I purchased a duplex using an FHA loan as owner occupant in Virginia and the process was seamless. 

Ok so one of my distant family members in Massachusetts owns a condo that is on the ground floor.A week ago he hears a gurgling inside his apartment and notices his walls start bowing out.Water is coming into his apartment !

I really don't mind though, we plan on keeping it in the family and building the kids homes on the property too.( unless their future spouses don't wanna live on the "family compound" with an overbearing father in law, LOL!)

I just focus on sustainable ROI, since compounding interest/ROI is the name of the game for true wealth generation!  

@Peter O'Bryan, Regardless of your decision there are two very important factors to consider now that can compound your return.1. as @Travis Sperr alluded to, the first 250K  (500K if married) of gain is tax free if you've lived in that house for 2 out of the last 5 years.