The seller retains the mortgage on the home, wrapping the buyer’s loan into the existing mortgage.

What I've found is that most Realtors don't like to work with FSBO sellers due to negative experiences dealing directly with sellers.

House-hacking today often has to rely on much greater lifestyle sacrifice than what I personally did 10 years ago, and requires strategies that would make me uncomfortable like rent by the room, or using local laws that allow Short-Term rental only for owner-occupants. 

I knew it was a way I could do deals with little to no money out of pocket so I got really good at finding motivated Sellers and getting deals under contract at good prices.

The deal is a short term rental in Florida so the returns are very seasonal.

Seller is hesitant to do seller financing as he is 71 years old, and a personal loan isn’t an option because I’m buying real estate Please help

What steps do you need to take and are you willing to take a short term pay cut to make it happen?

This is one of those confusing tax issues that does not have a short answer: do I need to send Forms 1099-INT to my private lenders, and do they need to send me Forms 1098?

Are you taking the seller's stated CAP or are you digging deeper? 

However, the property has appreciated over $100,000 in the short time we've owned it.