Personally, I wouldn't offer SubTo or a Wrap, For reasons I've written about fairly extensively. https://www.biggerpockets.com/forums/70/topics/1227199-the-m...However, I would sell on "Lease Option" and that may work for you.

Personal raise How did you add value to the deal?

Market timing, properly acquired property, personal capital available How did you find this deal and how did you negotiate it?

You’re going to be personally sued no matter the cause of the loss.

You can find it through the MNREIA web site or email me if you have any troubles.Type @ and the first few letters of a person's name to link.

I personally have not heard of the website that you came across.

The idea of debt-free is that if a person is going to retire and has to completely depend on the income, they don't want a severe recession surprising them and causing them to default on the debt and losing the properties.In a normal world, I would do that as well.

It will be even harder as a young person with no life experience, and particularly no experience buying real estate. 

I’m not convinced it makes a real difference unless a person has a unique setting.

There are conditions that must be met.Also, I believe the taxes are higher in Richland County than Lexington County, but I don't like there, so I don't have personal experience with that.