Where are your fixed rate notes at and their respective monthly PITIA payments ?

Would it be wise to buy the land with cash we have or utilize as down payment to avoid PMI?

How will the partnership cash flow cover the HELOC payments if interest rates increase?

Some gurus tell practicioners of sub-to to hide transaction from the lender by saying the lender doesn't care as long as the payments are being made.

If they don't NEED the money for a down payment elsewhere, the income could certainly fund their payment at a new home, rental or retirement home. 

The last partial payment they made to me was in December of 2023.

Take the payment in 2 or 3payments.

Hey everyone, what tools/method do you use for estimating the cost of maintenance and repairs of a multi-family home (2-4 units) ?

You won’t find many seller-financing deals here, so if you're looking to scale quickly, your next best option is the BRRRR method—using cash or hard money to acquire properties and DSCR loans to refinance into. 

In this case, your monthly payment with 20% down will have a good MARKET rate if your DTI works with a much lower month payment and no mortgage insurance(MI).