But that also complicate things as you wouldn't be able to get a conventional loan.It seems like you'll be investing long-distance.If you haven't read "Long-Distance Real Estate Investing" by David Greene, I would highly recommend it.

It is hard to get started and even more complicated if you begin as a passive investor looking for a turnkey opportunity hundreds of miles from where you live.

I would have both parties involved, especially if it is a complicated nesting structure. 

To answer your questions: The seller financing piece is likely to complicate your refinance.

In most cases, neither is warranted.Warning: I am not an attorney, and this can be a complicated topic.

We plan on using DSCR loan (yes high rates but our complicated taxes makes non conventitional as our only choice at the moment) so PM fees will def kill anything. 

Normally not that complicated. 

This is a complicated situation, but @Roger D Jones gave you some great insight and direction for your specific case.

I think that the last 80 years is maybe a little more complicated than that, yes?

That seems needlessly complicated.