You’ve come to the right place to connect with some vary smart investors.

I recently graduated from the University of Washington with an engineering degree and will be starting my first full-time corporate job on the 23rd of this month.

This can vary greatly from one city/state to another. 

Use varies throughout the year.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

The other side that they don't live in is kept between 68-73 degrees throughout the year depending on the season.

I don't know about you but I don't want to invest money where I'm treated second class, with all the consequences that go with that.You're absolutely right that investing internationally varies greatly depending on the country, and the risks can be higher in certain regions.

During my journey to obtaining my degree in real estate financing, I have found that single family homes cause a great financial burned if the tenant decides not to pay their rent.

I have a course on creative financing that covers both of these. to answer your question, When dealing with **seller financing** and **subject to** deals, the structure of the payments can vary depending on the agreement between you and the seller.

The key is to understand how to underwrite a syndication structured deal.GP/LP splits, acquisition fees, asset management fees, refi/sale periods..among many other things that vary when underwriting a syndication deal vs traditional purchase.Happy to share my model for underwriting these deals if you want to shoot me a DM.