I'm not aware of any products that allow for a seller carry-back that will apply to the LTV.  

The more I look at it the more I think retirement accounts are a waste of time - I ought to be putting my money in real estate and building a reliable cash flow that can carry me through retirement.I'm wondering if I should stop contributing to my 401K and use those funds for REI...  

And the problem is that if the contracting arrangement has issues, it carries over into the landlord/tenant relationship, and you can end up losing an otherwise satisfactory tenant over a contracting dispute. 

What happens when you have to take that property that you did "minimal work" on back when the buyer defaults on the note you're carrying?

Some suggestions I got from a friend who invests in Philly: 1) Try asking the seller for financing If they have equity in the property and they are an investor they may want the option to carry a note at 6% 2) Try taking out a HELOC (~4% interest) I have another property with ~250k equity, but I maxed out the loan amount on this triplex and that is really risky to try to get a HELOC because I could get denied with the new loan.  

Insurance in your name is carried on the property.  

I am also willing to scrub toilets and paint walls as long as you are willing to teach me :)!

I have a hot hotel deal that I am looking for a JV partner on$685,000 gross room revenue $100K down owner will carry$11K monthly payments 2016 $358,000 positive cash flowDavid 714-927-3278

If you want to go far, go together." is so true for rental properties.I have a day-to-day partner who has carried more than his fair share of the load.  

. :)  Edited: Yes, personal transactions that don't run through the broker are not covered, yet, he still has "vicarious liability" for anything real estate related that an agent does, you also carry that broker's name, good will, reputation with you everywhere as long as your license hangs there, it doesn't matter if you are acting in your own interests, you're still dealing with the public. :)