BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

In the meantime watch the BP podcasts and use the BP calculator to start analyzing deals so you get comfortable with the numbers.By this time next year I would say if you do this you'll have 10k in a bank account with an ok credit which should make you eligible for an FHA loan to buy (1-4 Units) with 3.5% down and get you started. 

Averaging these, I calculated ARV to be $174k.

You can transfer cash and assets from one IRA to another IRA anytime, this is a non-taxable event.   

I think I was looking at the Investment Returns, that was giving me a negative calculation.

But you would have to calculate the individual debt services to see if the debt is cheaper or more expensive.

Build a solid team and evaluate deals carefully using tools like BiggerPockets calculators to ensure strong cash flow and returns.Good luck!

I ran some quick numbers and would estimate (assuming you have good credit) you could borrow around $415k-$420k, which includes funding 100% of the rehab costs.Have you calculated your expected profit based on selling after rehab and if you decide to keep long term? 

Hi, does anyone know a calculator to use for seller financing which includes amortization?

If you don't believe it, go to the BP calculator and run a million dollar property with 10k rent and 3% appreciation and see what happens after 30 years.