I'd love to have a small line of credit on the property before the end of the year to cover any other repairs or upgrades that will need to go into the property.

Newbies always want someone to cover their mistakes when things don't go as planned.What have you done to solve YOUR problem?

We focus on CapEX before beauty. as a realtor we understand selling or renting homes you have to make the home function, Roofing, windows, electrical and plumbing. after we address these we focused on beautify making sure the upgrades match the area and is forward thinking with color scheme, flooring, and flow.

Quote from @Lionel Quiambao:  ... and maybe throw in the option for the tenant for more speed at an increased rent to cover the additional payment. 

The roof and gutters are only a year and a half old.

With foundation issues, one could have plumbing, drywall, flooring and even roof issues and alot more.

Why doesn't the note cover the land? 

Inspections--house, termite, possibly separate roof and structural8. 

Two things not covered so far:1) If a buyer challenges a seller-financed transaction, the Dodd-Frank penalty is that the lender must make the buyer whole.

In a previous article, we covered the elements of a quality cost segregation study.