If not, any lease to own lenders for income generating buy and hold deals?

For instance if he says $20,000 in repairs I’m not that worried and will offer close to where I figured I could offer based on income and expenses.

SoCal CAP rates do seem to be 5% from the redfin descriptions I read on some of them.I'd much rather buy a 1 million dollar SFH in north county than a 1 million dollar 4 unit in a low income neighborhood. 

Depending on the situation you may find a quad as well that would effectively let you use 75% of the rental income from the 3 units you don't occupy.

You should both read Lend to Live: Earn Hassle-free Passive Income in Real Estate with Private Money Lending.

The 22 yo graduates from college in computer science and says he is working on passive income this summer-wants to code something that earns passive income.

If that is the case you will need to hire a property manager who will likely charge 8-10% of the monthly rental income.

It sparked a passion within me for real estate investing, particularly with the dream of building generational wealth.I'm based in the vibrant Denver, Colorado area and I'm reaching out to this community with hopes to connect and network with fellow investors.

What the benefits for the seller are is that they CAN foreclose almost as easily as a bank if need be; there is a good chance that they can get a better rate on that Note that they will carry (say 5-10%) than what they are likely to get with their equity otherwise; if might help them sell a property that is hard to sell otherwise; and might be advantages income tax wise also.One example is a 4plex that just came online here in our market.

A property bought for $100k that has $10k of "Net Operating Income (NOI)" with ZERO Mortgage has a Cash Flow of $10k annually.The SAME Property, if purchased with a Mortgage that also has an annual payment of $10k means that the cash flow is ZERO for the exact same property.How can you say that Cash Flow is a characteristic of the Property?