This is my first purely investment property.Here are the steps as I understand them from reading posts and listening to podcasts concerning buying a property with owner financing:1.

Is it purely price or something else?

I cat guarantee the Refi numbers its pure speculation based off of comps in the areas and previous sold prices

@Ryan BehnkeI purely invest for equity and let the cashflow take care of its self.

They are 95% legal in Texas...if you can comply.A pure option OR a pure lease is fair game, regardless of who is getting the benefit.If you are *getting* the LO (and not a consumer), game on. 

I agree it’s not that great but it’s not a pure financial loss either (it would become only if you lack sufficient liquidity to operate the asset as planned over the period).

Some out of pure desperation, some out of lack of honor and human decency. 

.- If Spouse A can prove that Spouse B has paid 100% of the mortgage on-time for 12 months from purely segregated accounts (NO deposits from Spouse A into B's account), then Spouse A can have the mortgage excluded from DTI.

That means in two years you would be made whole...and the cashflow is all pure profit.CoCR is a great way to measure a good deal. 

@Don Jackson In my experience, retail buyers (which is what you're describing) will always pay more than pure investors.