Using conventional commercial loans you can expect to put 20% down and get terms around 6% amortization rate at around 10-15 years.A competent lending institution and appraisers will not count the home rent components towards the valuation of the property, only the lot rent component would be used.  

I have rental in the Arlington, TX area and am looking to align myself with a landlord-friendly realtor to handle my lease up.

The benefits of belonging Chicago Action Investors • Get started with Real Estate Investing using no money down techniques • Take ACTION and execute your first deal in weeks not months • Get aligned with our Ready-to-go team of RE Investors, Contractors, Closing Agents and Attorneys • Learn how to analyze deals and make offers on flips, buy and hold, and even commercial property • Get hands-on education and take ACTION in-the-field with our weekly meet-ups • Access funding without collateral (subject to one-on-one tel. pre-screening that I personally carry out) • Keep motivated, stay focused, get supported and close deals confidently with the help of experienced mentors • Build a solid, personable network with like-minded investors Get out of your comfort zone and REALIZE your REI GOALS by taking ACTIONwithChicago Action Investors Shoot me an email on BP to schedule a one on one telephone call today and/or receive location details for Saturday's meet

Some things were trivial but the functional components of the home I wanted fixed.

All the ones I've seen have a finance component which messes with the numbers.I'm looking to buy some homes cash and would like to run the deals through some calculators for sake of speed.Many thanks Rudi

In a nutshell, I like to take complex topics/concept, break them down into their core components.  

I see the license as being a critical component.. and those who think its to expensive IE a few grand a year..

Whether you're a realtor or an investor, it makes sense to align yourself with other successful folks in these fields, so you can model yourself on what works well and waste less time focusing on ineffective strategies or unproductive activities!  

My business partner and I want to find a bank or credit union that will lend counting the 20% seller financing component as the down payment. 

If you can create a vision and what that will actually do for you, rather than not keep it vacant and earn extra income from it, then you will align your goals to decide whether or not you want to do that.Good luck!