That is a great product because it is interest only product, therefore your payment would not be that high and also the principal balance is not due in a long period of time.

The rate is adjustable but you can tap into it multiple times (up to your credit amount), especially if you end up paying down the principal early on.

Seller finance from them with nothing down all going to principal at a price they like 

They will ask for a copy of the terms and conditions and add in principal and interest based off of the full payment. 

Im just trying to gauge some trends and understand more as each of these principals are talked about.

The principal paid in on a loan of course has no effect on the capital appreciation of a property. 

If you haven't already bought your KY license coursework, I can send you a discount code to save a little money, and I have a few course study books for the real estate principals and KY law sections to help pass the state exam.

I also though about holding off the refinance another 6 months and pay down our principal on our mortgage an extra $6,000 on top of our regular payments.

SMALLER OUT OF STATE INVESTORS : Some commercial real estate data providers (Costar, Reonomy) can separate of owners who are out of market-depending on the market where you desire to invest in, out of market investors, especially the smaller (one to two principal corporations) owners may be more inclined to sell versus local owners who have been in the market longer and are skilled in dealing with the challenges that exist in their area.

After 7 years, the remaining principal balance ($425k) would be owed immediately.