My advice is, read the fine print and understand the economic trade-offs you’d be making.You can come out ahead, but usually not as far ahead as appears on first glance, so make sure you understand the full deal that you’d be striking.The few that I investigated, I decided limited my future options too much so I chose to pay market interest rates to retain my flexibility with the property/project, or in other cases decided not to pursue the project at all regardless of financing terms.One important thing to look for is whether the financing (and obligations) transfer to any future owner and if so, under what terms, or if they do not, and instead trigger some kind of backout/payout clause on you.Many of those tax/loan programs stretch out over years, and since it’s hard to predict the future, it’s also hard to understate how they can limit your future options with the property.For example, many times we’ll do a 10-year holding projection initially but market conditions after only 4 or 5 years might warrant considering an earlier exit.

I would be very firm with them on payments but you have to offer flexibility as well.  

The marginally better rate on a 15-year loan does not justify giving up the flexibility of a longer term.

A lot of lenders now are also pretty flexible with seasoning requirements as well, so if you buy right you should be able to get your down payment out. 

I have a pretty demanding full time job that i also love and so consulting/referring works well from time flexibility perspective.I understand I need a TREC license to be a referral real estate agent in Texas.

There is a few ways you can do this.It's very negotiable when the owner finances it's very flexible. 

I talked to the HOA board president but he was not flexible at all. 

We wanted more flexibility, so we partially enclosed and added large double doors.

As an agent you should have a little more flexibility.

We're in an interesting and flexible situation that leaves us with a few options and wanted to get opinions on what you all think the best investment option would be.