I'm curious what others have run into when comps are very limited. 

Many would suggest against RE investing using retirement money but if you go into low risk opportunities it can be a powerful diversification method.

Mortgage recasting is a great option for homeowners who:Have received a windfall, such as a bonus, inheritance, or proceeds from selling another property.Want to lower their monthly payments without extending their loan term or going through the hassle of refinancing.Are satisfied with their current interest rate and loan terms.How to Get StartedIf you’re considering mortgage recasting, here are the steps to take:Contact Your Lender: Ask if they offer mortgage recasting and confirm your loan’s eligibility.Determine the Lump Sum Amount: Decide how much you can afford to put toward your principal.Calculate Potential Savings: Use an online mortgage calculator or consult with your lender to estimate your new monthly payment and total savings.Submit the Request: Once you’ve made the lump sum payment, your lender will process the recasting and provide a new payment schedule.Final ThoughtsMortgage recasting can be a powerful tool for homeowners looking to reduce their monthly payments and save on interest without the cost and complexity of refinancing.

. $220,000 is definitely a lower purchase price amount and really limits you on what you can buy.

Your story about the seller financing deal is powerful—trust really can change everything.

Antelope Ridge off Powers and Barnes.

Additionally, his credit is not the best, and he has limited funds for a down payment.Any potential options or solutions that may be available?

You'd be delivering BIG and powerful solutions.

Quote from @Jai Windish: Hey everyone,I am from Illinois and actually closer to Peoria than Champaign, but choices were limited.

What about my search is producing such limited information?