I would like to sell the property to the restaurant operator and they are willing to buy. i want to hold the paper on it to get the interest and what I'm hoping for is deferring the capital gains taxes until the balloon payment would be due in 5 years.

Investment Info:Small multi-family (2-4 units) buy & hold investment.

I am looking for some creative ideas or combination of loan types to put me in a position to buy land (maybe owner finance?)

Looking out for suggestions @Kaushik SarkarIf the equity in your properties is your only source for new investing, and the new property you are buying still cash-flow's with the cost of your borrowed money (from your properties), there is no reason to not use it as an investment vehicle.  

More folks will be able to obtain debt to buy a home.

If that number is greater than the purchase price of the house, then I would consider buying the property after looking at other factors (location, condition, neighborhood, zoning, etc).In other words, 6 straight months of rent should pay for the house. 

Even if the first property they buy works out as expected, most don't buy a second one. 

He finally decided not to buy it, so we did.

Investment Info:Single-family residence buy & hold investment in Berea.

Doing some risk analysis.Let’s say I buy a property now and market value drops soon by 20% is it better to have less downpayment such as 20%.