Hi, in regards to the comps, you could compare revently sold by $/SqFt and compare to what you are getting.

Duplexes aren’t appraised on cash flow, but on comparable sales only.

A "negative cash flow" investment (that you'd likely be getting downtown) does not necessarily mean "bad", and a "positive cash flow" does not necessarily mean "good".Each property needs to be looked at on its own merits (and compared to similar sales nearby).Many hundreds of threads here on BP only give the specifics for a particular property, but with no mention at all about what other surrounding similar properties sold for.But Arthur, you won't do that, right?

Comparable sales on 3 Bedroom two Baths in the area is from $120,000 to $150,000 move in ready as this one is the $15K delinquency is PTI and increasing every month, and the owner finance buyer bad credit will not allow refinance as you suggested Jay.   

The rental income they will use will be based on comparable rents of the surrounding homes. 

Compare your place to theirs.

traditional buyers?

Although that rate will be higher compare to conventional  interest rate. 

I have limited income on the books, so I don't think a traditional mortgage will work. 

But if the benefit is getting cash....well, she'll have to compare the terms on her private loan against the portfolio loan to find out if it would be work it.