Populations also level out and even decline naturally.

I like to transact with someone formal (with plans if possible), knows what they want (Specifications or SKU list a plus), who won't tell us what to do (we know what we are doing), who can afford to pay the level of our service we provide (insurance of all types are expensive, and we also have a family to feed).

We all know how to do it, we read the books, but we just wish the action was faster, or at least I do, in the mean time!  

@Daniel Galvan I wouldn't say you are wrong...as every investor has a different level of risk tolerance.  

@Shalabh Jain I have been in a similar situation for a cash out refi where the owner occupancy levels did not meet Fannie/Freddie requirements.

It 'seems' to me that for the possible benefits to the seller would be;Less depreciation recapture tax (if that is the right term)The same amount of income either way over the life of the loanBenefits to the buyer might be;Less after tax income due to higher yearly interest paidA little easier time refinancing sooner by build up equity faster due to paying 10K or 20K under the appraised value.I would think there could be a clause, if the seller wanted it, that it could not be refinanced for X number of years to make sure they made up for the lower sale price by having the yearly higher interest payments.Dan Dietz 

Seems like unqualified tenants may increase vacancy, eviction and potential repair costs and in the long run, burn your cash faster.

I've done some where the seller holds 100% of the purchase price, but that has been the 3 or 4th sale with the same seller over several years so by then we have a good comfort level and working relationship. 

I spoke with B2R about a deal we were trying to put together, unfortunately, we couldn't come to terms on their rates and lending level's that we needed.  

We can help you with purchase, any level of rehab, property management and sales.