We negotiated a 90% seller note and a 10% down payment at closing.

@Ty GlendenningWhy would you sell a house on owner financing if somebody would pay cash for it.While a lot of people think, seller financing is a great idea, the risk involved to collect the payments that then get taxed ordinary income are equivalent to investing it currently in a treasury bill, which has zero risk.

It would require a modest down payment.

Orlando has not been a cash flow market for a few years, but appreciation was in double digits for almost a decade, we are still around 5-6%, well above the National average.

I started doing some research on some hard money lenders in AZ, I have personally decided that I don't want to go that route until I have more solid abilities to continue payments if something goes awry. 

I could sell you a private lender loan with a buy back clause (we would buy it back if it does not pay off) that pays double digit interest. 

Couple hundred bucks a door monthly cash flow, double digit ROI, and yes the prices appreciate and you build equity.

The tenants have never missed a payment, but being on time has been another situation.

When I went to buy my second househack, I had quite literally 12k saved up for a down payment that took me a whole year to save (I was fresh out of college).

Cash flow is a function of down payment.