If you can sacrifice some short term cash flow, Columbus should be an overall better market for appreciation and long term cash flow.

In this market, I'm really struggling with getting a new deal to pencil without a 25%+ downpayment.I have a new STR property that I expect to basically break-even on in terms of both cash and NOI over the next few years.

I wanted to invest for the long term-like buy and hold.

You would calculate an even payment the corresponds to that and then back into your sales price and term.

If the seller is open to seller financing, I was thinking of putting in a full price offer with 10% down and maybe terms of 30 years with 4% interest rate.  

HelloI have a land contract that I’m currently paying on but would like to convert to a longer term (15 yr?) 

I learned SO much reading and editing BiggerPockets contributors that I turned around and did a bunch of my own deals — a flip, 2 house hacks, 2 short-term rentals, and one long term.

I negotiated terms that were a win/win for both parties.

**Deadline**This serves as a reminder if you have a house/cabin in Sevier County (unincorporated areas) that you are currently using or intend to use as a Short Term Rental, today is the deadline to apply for the Short Term Rental Permit.

Sellers don't want to go down at all even though we try to offer good terms.