That way you don't have to worry as much about bringing money to the table for the refinance.- Try to have a good 5 or 7 year balloon as the minimum for the seller finance (SF), and an option to extend for a fee, in case the lending environment suddenly changes, it gives you more of a buffer. 

I spent time and money to finally lock in one deal, which didn't sell until 2024.

Value of time vs the value of money

Personally, I would keep the property but I don't know your situation and if you could better use the money elsewhere.

I have shown this via a study i have done which shows data from propstream and propwire are at least 2 weeks behind county/court/noitce records which are the source of 90% of off market motivated seller leads Take a look at my home page for more thorough explanation of what youare NOT getting when you use Propstream, Propwire, Propshark, PropRadar and the like.Also, propstream and propwire only provide, for at least FL, TX, CA, a third of the preforeclosure leads wich are available from  county/court/noitce records, so, if you want to be ahead of the pack in the off market world go to the source and you will save yourself a lot of time, money and aggrevation.How do you get the data from the county websites?

The long-term moves are to get a concession to buy down the rate for good (not a 2-1 or 3-1 buy down), it's a smaller number (i.e. .25% or .5% decrease on the rate), and getting their full closing costs covered is money out of their pocket today they'll be saving that could be huge to give the buyer more money for repairs and/or furniture along with just life expenses. 

Typically to grow a real estate business and raise money you are better off partnering with someone.

Insurance needs to be carefully thought out ,carry a high deductible ,look at other ideas that can lower your premium .With a high deductible you need a money sitting in a account that can cover the deductible .

The king will just say "my bad, we have no more money".

If you call a couple of HM Lenders from lendersa for instance, you'll spare your money down by several hundred %, although you may need to do draws based on reimbursement instead of advanced payments, which is a huge minus.