Example $50000 down, owner carry $400000 at 5% interest amortized over 30 years.

Carrying costs are a major factor in profitability.

I have another deal closing at month end that will have a couple 2-3 months of carrying costs at high interest.

That becomes your strategy which will carry you to your goal.

It is just an inherent risk of driving and is why you carry insurance.

For example, if a similar property comp recently sold for a certain amount, that carries more weight than for a comp that sold years ago, or has just been sitting as a held property that isn’t up for sale.

Present the offer for him/her to carry a 15K note for "X" months, at 5% interest.

I believe that at every level of risk the commercial note carries a 2-3 percentage point positive return over the residential note.

The carrying costs (particularly because you paid in cash) are not significant enough to offset the difference in rate difference not to mention the points and underwriting fees and processing fees.  

Hello,I am considering doing a seller carry-back on top of a traditional mortgage.Scenario:Buyer purchase property, property may not appraise for total purchase price, seller to carry back that margin.What are traditional terms you have all dealt with, and what happens if buyer simply defaults and no longer pays?