I’m 41 a mom of 3 and working on paying off my second home through owner financing.

These reasons are probably why your model is looking a bit off.

It seems like there are several big engagers I can think of off the top of my head, then there's a consistent middle of the pack (I recognize their names) - these are all quality posters Then there is a slew of people who ask one question, have a few posts and never engage again.

This means that the trustee holds the property in trust until the loan is paid off.

Last fall I put offers in on some properties in Grass Valley and Nevada City at prices that would at least break even on initial cash flow, but sellers still thought it was Q1 '22 and would rather take their properties off market than sell for less than what they considered them worth. 

There occupancy this off season was the lowest since the Great Recession   They are struggling compared to past years.Good luck

The biggerpockets rental calculator is great, but sometimes the rent estimates are way off.

DIY will be the "cheapest" - you can set up an account on the MA DOR website, register your LLC, you pay over the whopping $500 MA charges you to register an LLC, and voila, you are off to the races.

You're correct, hat's off to you. 

Then the idea is that i will have the equity in the home after renovation to use as my "20%" when I refi, get the 80% back in cash and pay off my HELOC with it, then do it again.