But no longer do 3rd party management.

@Glenn McKinney - It’s great to see you exploring options and doing your due diligence.  

If you are going with a balloon you could do Interest Only instead of a Balloon payment, which would lower your monthly payment. 

My company would essentially do everything for the landlord: paperwork, finding the buyer, rigorously vetting the buyer, payment setup, delinquency protection, and anything else that comes with owner financing.

Welcome to BP - do you have a strategy in mind?

I want to use some of my inherited funds to start doing some PML and EMD but I don't want it to pass thru on my personal return. 

It's a great market and I'm sure you'll do well there.  

I have been trying to get into WholeSaling real estate to extent from the other real estate investing I do.

Are you factoring in soft expenses such as vacancy and cap ex which do not happen on a consistent basis but for which you may be budgeting.

Baltimore is very relationship based as you may know so having relationships is honestly one of the best ways.I've been doing all thee above and still I could be better.