For example, the seller may want a $150,000 sale price and being willing to carry a note for one year at 6%.

I need the owners to carry about 30% financing on that so any suggestions on how to write that offer would be great.

On my properties I carry "loss of rent" on one of them. 

For example, a servicer may be required to have recorded phone conversations kept on file, they have time limitations in answering inquiries, records of borrower interaction are required and the note holder carries the liability for compliance. :) 

Carrying a lot of debt doesn't help either, but I have made all of my payments on time for almost 20 years now.  

This carries a lot of meaning going forward. 

If she understands the value in rehabbing and you think you can manage it, she may be willing to carry the house, so you don't have to find financing.

(See why I self-inspect with seller-carry?? 

If I have to hold the properties for very long this  (6 months), I would not be able to cover the carrying costs.

He really wanted to help these people and ultimately he hurt himself by carrying several hundred thousand dollars in mortgage payments where he had to fix the rentals back up after the non-paying tenant left.