I found out that the seller is very motivated and is offering ALL types of creative financing options with rates as low as 3.75%.

Terms are usually 5-10 years fully amortizing in the low-mid teen's on average.They are basically taking a pledge against your future cash flows, similar to an MCA, but with rates from 11-16% fully amortizing on 5-10 yr terms, so payments are not nearly as ugly as an MCA, but similar concept.If they're a TPO or Broker for the same company, the program could be real.

If you'd like to hop on a call to discuss the Charlotte market (where your property is specifically), the rate you currently have it listed for, etc.

Or like now when the ROI on bricks and mortar is so low because of interest rates. 

Interest Rates: The Trend is your FriendSo do we know where are interest rates headed from here?

Low closing costs, with minimal documentation and competitive rates.

The HELOC loan will not affect your first line of credit interest rate. 

I’ve noticed that credit unions tend to have slightly better interest rates since they typically are not for profit whereas a normal bank or broker is.

According to my sources, CA is a tax deed state with a 1 year right of redemption.California is also a true deed state with no redemption period and no interest rate or penalty.

This is quite significant if they don't reduce rate at all until 2025.