Find some ways to make extra income to take care of this.

PM me & I will give you all the details of what specific properties & margins I am looking for.

I made extra payments early in the loan and I am now scheduled to have this paid off in the junior year of my oldest child. 

This has slowed up the process a tad, but we are starting off slow and steady, and not putting any extra stress/risk on our business.  

Okay so, 10 years to break even if you drop an extra $10k, or potentially sell it now (if anyone would want to buy it) for a -$15k net lose.

PM me for details.

Always do the math anaysis and try to look at the prospective property before you make an offer on it or at least have a clause in the sales contract that will allow you some time (about 15 days) to make a detailed inspection and possibility of backing out of the deal without a penalty that will hurt you too much.  

However if you charge an owner occupant 6% and 4 points your total finance charge (less than 10% total) would stay under the (today's limit) close to 11.5%If you are going to sell with owner financing to owner occupants, then you just need to use an MLO/RMLO to run the numbers and that is just an extra closing cost that you can pass onto the buyer or just pay the cost yourself since the real reason to comply is to protect yourself.But none of that applies when we are buying with owner financing as investors, except for any state laws, and there are only a handful of states with strict investor limits.

The guidelines are created by Fannie Mae, but it's your lender that is going to be handling all the details.  

Please send me the details.