The cadet has a 2 1/8 trapway, which significantly decreases risk for clogs.

That disadvantage will decrease as you gain more experience and contacts in that market.

I find in my own house that they're a bit more finicky (bad for the impatient, you really have to hold down the button for two solid seconds--I have some fancy-pants American Standard ones with the skirts and the ultralow flush and the nanofinish and all that jazz), but I haven't had enough experience with them to evaluate the claims for increased reliability and decreased leakage. 

It generally increases your insurance rate and decreases your tenant pool (who wants to rent from a shady landlord that does illegal work?).

Rounding the rates to 3.25% and 6.5%, respectively, and using $100k loan amount, calculates to a payment of:$435.21 as of Jan 6, 2022vs$632.07 as of Jan 5, 2023That's a 45% increase in payment or a 31% decrease in borrowing power ($100k loan amt payment @ 3.25% = $68,854 loan amt pmt @ 6.5%)Note: the above #'s are not reflected in my charts, since the charts start at 3%.One assumption I have is that some of the price rise in the past couple of years, is due to unsupported demand fueled by the unusually low past rates.

.* Site (Lot) Size - typical size for the area or atypically large or small and how does that affect potential buyer appeal, or strange shape lot (pie shape, etc) which decreases its' utility (use).* Design/style - certain neighborhoods may show preferences for specific home styles/designs, I have some markets near me where Craftsman (arts and crafts) style houses are highly desirable and command a premium, I also have seen many relatively recent new builds and rehabs which are modern style and are getting premiums based on that.

First property purchased with partners, 3-way split with my cash contribution slightly decreased due to me bringing the deal/contractors.

I believe you can offer 3 benefits:1) Decrease the seller's tax bill by spreading out his gains. 2) Increase his return by paying him interest on the money he is loaning you.3) Give him a piece of the equity you are going to create through your repositioning. 

For sellers, there is a risk that the buyer may default on the loan or that the property may decrease in value, making it difficult to sell.Overall, I believe that seller-financing will become more common as market conditions change, but it's important for both buyers and sellers to carefully consider the risks and benefits before entering into a seller-financing agreement.

Is this an acceptable amount to then increase my cashflow a bit and decrease the amount going into reserves?