You can generally achieve better bank leverage and has a lower barrier of entry.Thank you for the insight, @Stuart Udis.

Did the proceeds from the sale count as short term or long term capital gains?

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?

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

How Tiered Returns Can Help Structure Private Lending DealsHey BP community,I wanted to share some insights on structuring private lending deals, particularly when working with private investors to fund real estate projects.

The hold time is usually between three and five years, and the overall gain is pretty high within a fairly short time frame.

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

. ;-) IMHO Thank you so much for your insight.

Anyways, again, I really appreciate your insight.

Makes sense, I appreciate the insight!