For good borrowers we defer interest payments and points payments until after the deal closes. 

Total payments amounted to $900 for last year.

He wanted 200k down payment which is 17%, and no interest.

My interest payment on a mortgage is over $1000 a month, how do I include these savings in my CoCR or overall investing strategy?

If the payments are more of a concern, instead of writing below list price, ask the Seller to buy down your interest rate.

*There is one last method, which I do not recommend but it is a method nontheless, you can sign a lease for the property with yourself as the Tenant or anyother person you trust.

We're trying to decide if we should rent or sell.If we sell, we are looking to get most of our money back that we put in (down payment, small updates like paint and appliance purchases).

Personally, I love the Atlanta area for investing, I have a ton of clients who invest in Atlanta and in Baltimore and those areas seem to have a decent return on investment for flips even with having low down payments on the purchases. 

I am thinking the following:This would be a wrap around mortgage as I still owe $165k on it.Sale Price $245k (market price)10% down ($24,500)10% Interest 30 year (please tell me if thats a bad idea)Monthly payment based on 30 yr ($1930/mo + tax and insurance) = $2448/moPlease let me know if i left any pertinent information out.Any sleuths out there can check it out. 🤓 (1032 E Tucker St Fort Worth, TX 76104)

Determine the preferred method of payment and communicate it clearly to the tenant.6.