This could involve sending mailers, flyers, or even personalized letters to homes in your target area, expressing your interest in buying properties.

I've thought about offering $20,000 every 6 months for 3 years and a balloon mortgage to cover the remainder... 

Once you have your quote sheet and your pre-approval letter then you make your offer. 

If you want to figure out the value logically, you can create a spreadsheet that will show your cost of financing and principle paydown on an annual basis to figure out the break-even date between the seller-financing price vs paying market price, but with bank financing.You mentioned a 40-year term, but is there a balloon?

I received a letter from the HOA about a violation of the rules - there is an oil spill in the property driveway.

If she sends a letter, file it away without responding.

I’m thinking about consulting a lawyer to get a letter sent, as it feels like they’re inventing laws.

They may offer some refinancing options that make expensive home more affordable by writing a 40+ year loan term with balloon payment at the end.

Some tenants are busy.When I recently took over a property, my business partner and I (1) called each of them to introduce ourselves, (2) sent a text message and (3) sent a letter.

The way to read "5/25, 10 years maturity" is that the rate is fixed for 5 years, the payment is calculated on a 25 year amortization, and there's a balloon payment due at the 10 year mark.