(The HOA is the main turn off)I currently have a small window of free time daily between hours on site and the commute.

The extra cash flow might offset the need to have a staff on site or the amenties they provide.  

Either follow your set rules for everyone, or be prepared to lose a lot of money.

If you hold on to it, you will lose $850 every month it is occupied.

I don't see property losing almost 2 percent of its value in 2 years in that area. 

I use a sensitivity analysis as well in my pro forma so I can tell how aggressive I can get or how bad can things get before I consider it a bad deal or lose money.Can't say I haven't lost out on deals just bc of speed... one time I couldn't get a hold of my partner for an hour to decide what entity to submit the offer or hold title in and when I call back the listing agent they had literally just taken another offer.

I am new to the site.

The bank total charges would be 238k120k at closing 30 fixed at 5.827%The seller financing is a much better deal on the surface, im just worried about losing out on some protections I might get with the bank. 

I've been on this site for over a year now, attending webinars, reading daily blogs, and scouring the forums. 

Part of the reason why they feel that way is because some investors aren't honest with their intentions and the seller loses trust.