When considering our options for our next house, I thought we would be able to defer the taxes from the gains when we go to sell it however because it’s our primary residence, it’s not allowed.

., they force coverage on you instead of tailoring the coverages around your unique situation)Only represent one insurance company (no single insurance company can offer the right policy, at the right price for all situations)Their process for getting a quote is difficult and cumbersomeTheir underwriters/inspectors seem to always find a problem with a propertyIf you spot these warning signs, you should search for an insurance agent with these attributes: Have a depth of knowledge gained through years of experience working with real estate investors like yourselfHave a unique consultation process specifically crafted for working with REIsHave access to a minimum of 50 insurance companiesWork with a large independent insurance agency or group (the larger the agency, the more leverage they have with insurance premiums and claim settlements).

The goal for me would be to gain as much experience as possible in this scenario. 

I suspect selling now would be the best choice, given the market and lack of capital gains (under threshold).Not sure how to calculate this easily – I've tried using the BP rental property calculator, but my numbers are all off since we've already lived in the house 8 years.

Use time that you have wisely to gain new insights and skills.

With doing this, down the road we will need to pay a capital gain if we ever sell.

What I lack, but am striving to gain, is the financial wisdom on how to structure the deal, so that's it's a good deal for all involved.

I wanted to gain insight as to how to approach this deal with the seller financing option with little to no money of my owned invested in this deal or structuring it with my own funds being used for the down payment and set it up as to where I could cash the seller out after a certain time frame.

Josiah Collins You should be thinking of sales price and buying up from where you are selling.Capital gains has nothing to do with the mortgage...

Do I have to pay capital gains on the full profit from the seller or is the portion paid back taxed as an installment sale.