I found an ad on craigslist about someone looking to retire and sell their duplex. 

At the time he stated that the property was his retirement plan.

I am approaching retirement and I need to be careful about the influence of income on my SS benefits. 

If your mom is 60 and lives until she's 90 she's got a 30 period to let a tenant pay of a 30 year note on her behalf, plus she can cash flow that property and pay it off early, or use the cashflow for thing in retirement.

They've been doing it for years and it's their retirement gig.

Ok, that’s fine, we didn’t either on our last deal. 2) Do you have family or a retirement account that you might be able to partner with or convert to self-directed IRA?

Looking for 1 purchase each year for 15 years, then refinancing them inorder, cashing out and supplementing retirement.  

@Brian Babbage look into a Qualified Retirement Plan (QRP).

@Eric KissingerOne thing to note -Not all owner financing is the same risk because your dealing with individual people .people do stupid things they can get sued or go bankrupt or die ..There is a big difference in risk by buying from a retiring businessman who owns the property free and clear ( best case scenario) versus a young person who still has a mortgage on it that is in over their head .

.), move your retirement to a SD IRA and invest with us, affiliated with others (Kiyosaki and Schiff) who have burned people in the past...