Can someone share their insight on the financials of carrying a note vs getting the big pay day now. 

@Damon James you will need funds to carry the loan.

For me it’s not worth saving $100 if I have to carry a stove up and down a flight of stairs and into my car.

There is obviously a cost to this in both fees to set up, fees to parties acting on your behalf, opportunity costs in not being able to take advantage of some deals or move fast enough, inability to obtain financing- even owner carry back would be difficult to accomplish, and general hassle.

People may write how dumb it would be to cash out a paid off asset to re-amortize another asset carrying a 4% loan. 

And that $13k will be eaten up in loan fees and carrying costs by month 2.

I'd like to approach the agent with a seller carry offer.

The finances and everything is essentially carried out by my uncle.

Does anyone know of anyone who scrub deliquent tax lists?

The counter proposal I have in min is to have a structure inspection and ask the seller to carry a note 15K so that he has some skin in the game and not totally screw us up.