@Eladio Perez it’s not impossible, but it’s going to be very difficult in this market environment.Keep in mind that when you say “20% built-in equity” you are basically saying, “I want to buy this for 20% below market value”.To be honest, that’s extremely unlikely to happen buying from the MLS today, and is difficult to do in any market because the real estate agent’s job is to try to get market value and the MLS is essentially the market.What you’re trying to do is exploit some kind of market inefficiency where you know the “true” value but the seller and agent don’t, so you are able to buy below market value. 

Can you not find another business model that avoids exploiting other people's time?

Trying to minimize my tax hit from the duplex and exploit as many benefits as I can by having to rent my new primary for two months.  

Latent upside that is not exploited by the current owner.

You would only go to exploit the seller financing route if either you can't get a conventional loan or for some reason you convinced the owner of the property to give you a better deal than conventional loan.

It can really help you see where your revenues and expenses are coming from and try to find areas to exploit efficiencies and even negotiate with suppliers.

Originally posted by Tom Cullen:It hurts me to know people exploit women in that way.

@Jay ThomasAs the ignorant are exploited and thrown to the wolves. 

I'm in the Tampa area and I can tell you through running numbers on a bunch of deals in this market, there's generally a tougher rent to purchase price ratio to exploit here.

If your excuse for doing it is because they pay on time , then you are exploiting them.