I personally don't like this transaction, but everyone has a different risk tolerance. if you can aggressively raise rents and the market appreciates you are fine.For your assumptions the red flags that I'm seeing:0% vacancy should be higher unless your a PM and are experienced, even still.0% for management fees, are you a property manager?

Use Other People's Money (OPM) to fund transactions with minimal cash outlay, but be sure to arrange transactions sensibly and reduce risks.

I've been telling my clients to expect a no closing cost refi in the next 6-12 months depending on how quick the fed lowers rates.

Pivot from there into lower-entry investing(house hacking), and build up.

At the time I bought it, I lived just a few miles away and I didn't want to play any games with trying to call it a "vacation home" in hopes of a lower rate. 

it would be extremely helpful to go through a simulation of a real transaction; the days it takes, the forms to sign, the people to contact.

FICA is 7.65%, but a big chunk of that's caped much lower.

There is no other lender involved in this transaction. 

It will set you up well when you refinance at a lower rate.Feel free to reach out if you have any other questions. 

How does capital gains lower you ordinary tax bracket, also in seller finance is the interest tax a ordinary tax or still capital gains tax?