As a beginner, I would personally get my feet wet with something a little less risky without a balloon payment like that.

It can come from a personal investor who will negotiate terms, or potentially a piece of the equity.

Personal money How did you add value to the deal?

The challenge was separating business from personal relationship.

Over the years, with personal investment alongside investments from family and friends, I’ve been able to build a small portfolio of apartment buildings with a focus on cash flow through strong operations.

Are their listings detailed with good-quality photos?

I personally leverage, but have a large rainy day fund. 

I can't say when that will be but 4.125 is quite a lot depending on the rate you get.I personally want a hassle free funding experience and the lower rate.

It sounds like a single family house where you will be living in the house(personal use).Therefore, you may not be getting the tax benefits you think you are.Consult an accountant.I am not sure why your sister would agree to this as well, she is losing $170,000 in this transaction and she faces the possibility of you increasing her rent.You also have to charge market rent or close to market rent or it is all deemed personal use.

While I don't personally cover the Scranton area, my team and I work extensively with investors in the Philly suburbs, and I’m always up for a great real estate conversation.