So, many people in your area may not realize its negotiable and just assume its always handled a certain way.

Hey @Max Smetiouk, so a soaking tub in the master bath is a nice thing to have, in the middle of the room, no so much.

Hey @Tom Dieringer, so the Expedia Group has a market cap of 21+ billion so I wouldn't worry too much about them.

My ultimate goal is to become successful with my real estate investments so I don’t have to rely so much on my job and be able to spend more time at home with my soon to be wife and future children.

I am expecting to do 3-4 deals per year until I get to 20 properties or so and then snowball the debt so they are all paid off by retirement. 

So are you looking for a lender to refinance out of the owner financed note, or are you looking for a lender who will lend your downpayment behind the owner financing?

So you're not completely anonymous.

When I tried to get it when my side of the family found out and tried tp take over reverse mortgage payments to bank because she had died it was to late so they sold the house to Hud and then other reverse mortgage companies but a relative still lives there so they can't kick them out.

I'm building some currently (so obviously I think that works). 

so, i just encourage you to be conservative and cautious.