Anything taking longer than that to pay for itself I'll analyze further to consider other ways it'll effect the property or my equity position.

It had a great effect of my life and I'm sure it can do the same for you.

. :)Many Real Estate investors think that the regulation called The Dodd Frank Act which takes effect January 10th, 2014 will eliminate Creative/seller financing as we know it.Is Creative/seller financing dead because of Dodd Frank?

I would be inclined to call your local police department and ask to speak to officers who specialise in domestic violence cases, and voice your concerns.

It hasn't seemed to effect house prices yet but buyers seem to be a little more cautious.

If I am and my offer is considered ridiculously low,how will this effect my credibility in the sight of the agent and my potential buyers?

Instead, your model effectively pre-sells the properties by bringing in novice investors/buyers early in the process.  

We explained this scheme by banks to limit the amount of available for sale inventory as follows: "since the properties not entering the foreclosure pipeline are effectively kept out of inventory, even shadow inventory, and thus the distressed end market, the monthly drop in foreclosures has acted as a form of subsidy to the housing market, as month after month less inventory than otherwise should, enters the market....

Craigslist is pretty effective!

I'd confirm it doesn't have a ripple effect on insulation, sheetrock, trim, etc. and that's the full cost of the change so you know how much contingency you've chewed thru.