For checking contracts, agreements, etc it is the lowest price to use Legal Shield.  

What I mean is if I get the seller to take an unsecured note (with a better interest rate to compensate him on additional risk), will that debt be counted as part of the "loan" in an LTV assessment if I try to get the property refinanced in a year (essentially will that note amount become instant equity for me which I can play with?).

The property is worth 210k and I owe about 140k on it.I have another 80k saved up and would like to put about 60k towards my next property (leaving 20k for emergency funds, rehabs, personal fund etc.)I have zero debt (no student loans, no car payment) outside of the HELOC I had to purchase the first property I stated above and most of my living expenses are paid by my employer (car, gas, cell phone).I am based out of Central Pennsylvania and am looking to stay somewhat locally for my first few properties (Harrisburg, Camp Hill, Lancaster, Hershey etc.) and am not really interested in out of state investing.Just looking for some advice or input on what you would do next if you were in my situation,Any input and info would be greatly appreciated, Thanks!

Hey BP, been very curious about my debt to income in regards to purchasing my third property.

At the minimum I can legally collect a finder's fee if I don't want the listing. 

You actually should be more likely to receive a loan with little money down if you have a larger income, because your debt to income ratio can support a larger loan. 

Whether or not that is a wise legal decision to make in your particular state is best discussed with someone who is a licensed attorney in that state.

He has since informed us that it would be too difficult for him to accomplish and that offering him a present would induce him to do what he's already legally obligated to do.The problem is that we already have a seller lined up and this is the only thing holding up the deal. 

Operate as if a great deal may be right around the corner and be prepared to walk away.this is not legal advice, i am not a financial advisor, or a CPA

He had mentioned that we could not record it at the court house but have a legal agreement between us.