Why not use the CPI inflation to measure the effect (real prices)? 

The county/city zoning board has said this unit is not an issue and is grandfathered in, but he's worried about the more stringent FHA appraisal/inspection3) Buyer "skin in the game" - doesn't want to be left holding the property again as this has happened to him at least twice on previous land-contract/CFD arrangements4) Ability for buyer to acquire traditional financing at balloon5) Effective total cash to the seller is a primary driverWe submitted an offer that solves all these problems:Property A:Purchase price: 360k using FHA loan, owner-occupiedProperty B:Purchase price: 305k, 0% down, 25 yr amortization, 5 yr balloon, 4% interest rateNote + mortgage arrangement with professional loan servicing/escrowAssuming a 9% annual return in the stock market, this arrangement is equal in total cash to seller (including accounting for inflation,etc).

Hello @Michael Mendez,We use social media to market OHs but this has not yet proven itself to be effective... this could just take increased ad spend and consistency to be effective but time will tell.Our best OH marketing results come from reaching out to active Realtors in the area i.e. text/email blasts, phone calls.

Especially with the eviction moratorium still in effect, I'd say you're better off making sure the property will be vacant at close or soon after.I don't know enough about sec.8 to tell you for sure if this complicates things.

@Patrick McCracken, aren't you effectively asking for a third mortgage against the same property? 

If your land value is high, it could effect the results.

For example, with a 4% interest rate and PMI of $75/mo, your effective interest rate may become 4.5%.

It seems that because of the laws being put into effect that won't be an option as it would put my family and I at risk.

There isn’t a specific reason we want to do owner finance , we’re really just trying to figure out the best possible way to do the deal and it being the most cost effective option for both ends .

While yes, one judge has overturned the eviction moratorium it is still in effect because of a stay on judgment that was issued that prevents it from being "law" until the appeal process is completed.