I am currently in the very beginning stages (Set up LLC, website, mailers, etc) and welcome any and all advice or experiences the members of BP would care to share so that I may learn and grow.Thank you for your time!

So how do you get around this when in the Repeat stage?

Price, prep, and stage aggressively.- Buyers: Pay close attention to wildly fluctuating mortgage rates, evaluate multiple financing options, and listen to your lender's advice on timing.

My credit is 695 with 100% on time payment but high utilization, & I arranged a FT job before coming.

@Bill G.llA bit off Brian, an appraisal is a valuation at a point in time.Financing does not add value to a property, at any time, a year later the property still has not greater value due to a seller financed note that might be assumable for example, it never adds value to the property.The value of financing can be shown in the alternative costs for similar financing, but that is an intrinsic value to the transaction, not to the price or value of the property.Charging more for a property due to financing arrangements is predatory dealing/lending. :)

Besides stealing the property, yes that will work, I suppose when someone is doesn't care about family heirs and just wants to be taken care of, such arrangements can be fine.

Whether or not they have an interest in holding your hand to the extent that you desire at this stage on investing is between you two.  

I will be providing the financing so we will have to figure out our arrangement (any pointers on this would be greatly appreciated).I started by reading the Ultimate Beginner's Guide on this website and I'm about 20% of the way through "Building Wealth One House at a Time".  

(A) A landlord who is a party to a rental agreement shall do all of the following:(1) Comply with the requirements of all applicable building, housing, health, and safety codes that materially affect health and safety;(2) Make all repairs and do whatever is reasonably necessary to put and keep the premises in a fit and habitable condition;(3) Keep all common areas of the premises in a safe and sanitary condition;(4) Maintain in good and safe working order and condition all electrical, plumbing, sanitary, heating, ventilating, and air conditioning fixtures and appliances, and elevators, supplied or required to be supplied by the landlord;(5) When the landlord is a party to any rental agreements that cover four or more dwelling units in the same structure, provide and maintain appropriate receptacles for the removal of ashes, garbage, rubbish, and other waste incidental to the occupancy of a dwelling unit, and arrange for their removal;(6) Supply running water, reasonable amounts of hot water, and reasonable heat at all times, except where the building that includes the dwelling unit is not required by law to be equipped for that purpose, or the dwelling unit is so constructed that heat or hot water is generated by an installation within the exclusive control of the tenant and supplied by a direct public utility connection;(7) Not abuse the right of access conferred by division (B) of section 5321.05 of the Revised Code;(8) Except in the case of emergency or if it is impracticable to do so, give the tenant reasonable notice of the landlord's intent to enter and enter only at reasonable times.

Some feedback please.I am in the initial stages of refinancing my existing primary home mortgage and loc.Lender verbally asked for gross income, current debt , home value info, etc.