Thanks @Carl LeeSo subject to ...lets say her pay off amount is 200k , then it might be a deal , provided she is ok to just get done with it .But if seller is expecting to not only get out of the loan but also expecting some cash - lets say 20k , then it means 220K Al in for meSo looks like :1. total pay off need to be less2.

You’d use that ratio from the assessed value to the purchase price ($5k land/$20k total = 25% land, $15k building/$20k total = 75% building) to get $50k land and $150k building.

If the borrower pays off early, I would make a nice return, obviously, but I wonder, what motivation is there for the borrower to pay off a sub 2% loan early. 

Obviously there are various types of loans you can get, especially being a first time home buyer and making this your primary residence...

Partnering or any level with an experienced investor with experience would obviously make me a much stronger candidate for a commercial loan but any and all feedback and analysis of the deal would be greatly appreciated I've attached the BP rental property calculator analysis to this posting ?

The monthly total on them combined is roughly 380.

The tenants we received in these properties would usually only stay for 1 year max and always left a total mess and damage when they left.

call yourself anything you want, if you bring a good deal then I'm buying.And if you (anyone) bring something that's clearly not a good deal and it's obvious that you're greedy, clueless, or both then you (anyone) won't be taken seriously again.

It's totally up to the lender. 

Obviously this would be beneficial in that I'm skirting some tax money until later in life and thus reducing my taxable income.However, here's the rub.I'm not rich.