As for owner/occ sellers, the marketer must decide what the theme and the appeal is going to be.

I have already invested $7,200 in negative cash flow over the previous 2 years.To refi, I need to be at 80%LTV meaning I need to put an additional $15,200 downNow, total invested is $22,400.With the same financing assumptions as above, new loan is$60,800 @7%=$662/mo PITI which means $288/mo CFIn this scenario where value of the house drops 24% in the two years I am paying no interest, after 5 years 77% of total investment has been returned and after 10 years 123%The appeal to me of this deal is that I am essentially able to finance my down payment INTEREST FREE, so I am able to preserve my current capital for other deals, and if bad things happen over the two year period, I eventually put down the money I was hoping to avoid having to put down, but I don't have to put it down all at once, and still receive similar returns.It may also help to know that I am not and am not trying to become a full time investor, relying on current investment cash flow.

A visual inspection looks okay but there are no lead certs.

$94K + $2.5K / $105K = 92%.20% down owner financed is of limited appeal.

Flipping and buy & hold are most appealing to me.Glad to be a part of Bigger Pockets!

Once you have these numbers, you can do both a flip analysis and a buy-and-hold analysis and see which one is more appealing from a financial standpoint.The other big question is your financing -- will you have a debt service payment and if so, how much will it be?

We then started developing small office parks, with single story buildings, designed to appeal to a wide variety of small businesses, and designed them as PUD's to allow us to sell them individually.

They are appealing, but if you're trying to rehab a distressed MF property it will require a lot more precision.

I'm not too experienced in rentals .. but $212 /mo for all 5 units doesn't sound appealing to me ..

Your present situation, strategy, and future goals are important considerations to reach a proper determination.Buying down the interest rate can be a nice carrot to you, but it is certainly very appealing to the lender because it will increase the yield on the loan.Paying an additional amount each month is a great way to reduce the amount of interest you pay (interest is calculated on the unpaid principal balance).