I'm assuming there is a reason you see an opportunity for owner-financing--the sellers are in a situation that requires them to dispose of the property quickly, the house has an issue that prevents it from selling traditionally on the market, the sellers are under water on the house, etc.

@Shaun Weekes what I was trying to achieve if reasonable rates existed was to not pay traditional mortgage underwriting expenses plus incur another hard pull on credit.

I did that on 23 Amherst   and I have two more going.but to answer @Nancy Bachety question yes in some areas you can literally build two homes on one lot and you just have address A and B  and you don't really do a lot split in the traditional sense.. they call it some sort of regime..and I am doing  2 of those on single lots.. then I bought 3 lots and am going to get 4 homes on those three lots.. sowith 5 lots I am going to get 8 stand alone SFR's   this is all infill just out west of downtown.

Looking for some input here - I recently purchased my first two deals, one is a 4 plex I put on a traditional mortgage and the other being a SFH I bought with cash and flipped.

Does the owner pay it traditionally? 

Granted RE is 5-10 behind traditional retailers when it comes to marketing trends, but the shift is coming.

I guess our only options are traditional conforming loans with a hefty down payment.

The traditional wall unit.

Once I got it renovated and rented I got it refinanced through a traditional fannie mae refinance mortgage 75% LTV 30 year am 5.125% interest rate fixed.

I’ve been doing it for 2 months as opposed to traditional renting and I’m killing it.