But, the point is you want to understand the rates/terms of the loan you are using to make sure that you are not paying a lot of additional costs or pre-payment required to get the cash out a few months early. it may very well be worth it but you want to compare apples to apples. 

Likely to be a silly question - do we put the offer for land on the same RPA as a normal property sale?

Absolutely take no legal advice from anyone offering it to you on the forums, there is a lot at play here. 

I've found that CPAs that focus on a niche area such as real estate rather than offering general services to everyone are typically much more knowledgeable about real estate tax incentives.

So I thought to offer the option of "I will carry the remaining $10k and work out terms favorable to both of us."

I have a property I would like to sell:-Market value: 450,000-Purchased in 2020- Mortgage has $153k left at 4% (conventional)The market is slowing down a bit and since I no longer would qualify for conventional loans, I am considering offering seller financing to generate some interest and get the best sale price.I would love some ideas of how to structure this properly. 

TIA I look at these things the most when looking for BRRRR cities - Rent-to-Price Ratio: Look for cities where the average rent is high compared to the average mortgage cost- Population and Job Growth: Focus on cities experiencing steady population and job growth, higher than national average- Availability of Distressed Properties: Look for cities with a supply of pre-foreclosures, short sales, and abandoned propertiesNormally bigger cities in those states should do well, houses are still somewhat affordable (comparatively) and if you do a big rehab it'll pay off

For example, investing on the south shore may offer affordable property prices, but it may also come with high crime rates and a less stable environment.

Purchase price: $500,000 Cash invested: $100,000 Purchase aimed at creating a steady income stream, while also offering significant potential for long-term appreciation.

I never had to do it but I would assume you could just cash the money in a bank if they asked pre-closing.4) If you're considering reaching out for more information, feel free to let me know.Lastly, regarding the policy with Mass Mutual (or NW Mutual too), it may not be advisable to use them for your intended purpose.