I am waiting for a seller to let me in on any sort of motivating factor or insight that could help me put together a proposal. 

This is solid insight as well @Kyle Barnhart. 

So focus on lead generation.Once you have that covered, then yes you do need to have a bit of insight on the workings of the transaction.But all this should be easy to figure out the moment you keep commonsense in play.Start with getting in touch with a wholesaler-friendly attorney for your closings (if you are in an attorney state), and build a relationship with him (that is also what I did)..He should guide you along the way as you go.

Makes sense, I appreciate the insight! 

You are going to gain a lot from this group of investors. 

Whether it’s sharing ideas, insights, or exploring opportunities, I’m all about building relationships with like-minded investors.Looking forward to contributing and learning from this incredible community.Best,James That’s impressive what you’re doing.

But it would give you time to save up for the 20% on a refinance in 2 years or give you the ability to use any equity gained to refinance in 2 years.

I’m passionate about learning and improving my process to provide real value to investors, whether you’re focused on fix-and-flip, buy-and-hold, or any other strategy.Looking forward to your thoughts and insights!

This has been tied up in court and does not really have an end in sight at this time.5.

Seller will be taking a 30k+ loss with this route.325k with 50K down to seller, 3 years of payments $1600/month, and a balloon payment of 215k at the end of 3 years.Benefits to me: (1) 10k less downpayment, (2) with the conventional route, the loan would be at 228k after 3 years of payments, so I will gain additional equity with the 2nd option since I will owe 215k (presumably I will have to refinance at that time).Benefit to seller: she gets over asking price, 50K upfront and $300/month of cash flow.Does this offer and structure sound reasonable?