This gets you 50 % of where you want to be, while simultaneously apprecating in value, not to mention the tax shelters that would become a major benefit to offset your income.

To my knowledge , nowhere in the rule book does it say that your profit needs to be made available to seller .

Might be worth having an attorney look over your HOA rules regarding actions by your neighbors affecting your property but talk nice to your neighbors first.

I also have 25 small (less than 50 units) apartments and mixed units in Chicago all with seller financing.

We are having trouble finding any property that meets the 1% rule, or any numbers that make sense to us for that matter.

Title companies do not cast judgments on these types of deals as long as they are arms length.. your risks are the bank gets wind of the transfer and calls the note.. as long as you have the ability to refi or pay it off.. to protect the 15k or so you going to put into it.I don't know about UTAH but there are some very tough rules in OR and WA when dealing with someone in foreclosure.. is this their primary resi or investment? 

I did my fairly large kitchen for about $50 in materials and it's held up great for two years of use.

So I'm wondering if anyone else has had issues with their bank not knowing the Fannie Mae rules on seller paid closing costs?

I think you will find that most real estate rules don't apply in Southern CA and especially in highly sought after communities like Irvine.  

Will they go down by 20%, 50%?