In my opinion principal reduction is the best option instead of buying interest rate since money will not go directly towards principal.

Hello everyone,I am a newbie real estate investor based in Toronto.

I'm looking for seller financing options with a $10-15k down payment.

@John Underwood , I was surprised as well by Joshua Tree's inclusion on the list based on its growth over the last few years.

Which of the two is the better option? 

Based on the raw numbers if your getting financing your looking at more than likely 20% down although 15% is available on an investment 4 unit for financing. 

Thats great that you pulled all the info, but what is going to keep sales slow is that current real estate prices are based on 3% interest rates.

After that, the LLC could potentially gift or sell the property to you, which would likely trigger capital gains taxes.Another option could be to transfer ownership gradually through gifting shares of the LLC to you over time, which may help minimize tax impacts.

Please reach out, any and everything would help a lot.Depends on your budget, where you work and nature of your work, Solano County and Contra Costa County are also possible options.

If you're diving into BRRRR opportunities, I'd be glad to help you assess deals or explore financing options.