The sales proceeds close out the monetization loan and the deal is complete.Monetized Installment Sales were covered on BP here... https://www.biggerpockets.com/forums/51/topics/569...

On our personal Single Family investment homes we are able to barely cashflow with the higher rates with new acquisitions (we use commercial loans so our rates are prime +1%), but happy with with capturing some good equity on the purchase.

You could assume their loan but this depends on what they still owe.

In addition, that increased down would take many years (likely longer than the 30 year loan term when including modest 5% growth on the money) to pay for in the increased cash flow. 

Next step would be finding a lender and figure out which loan type.

The property is currently under an FHA loan locked in at 2.5%, which means I am unable to sell or refinance at this time.

If you master creative financing you can find 0% down deals.In 2023, I purchased 73 units with seller financing and 44 of those were 0% down loans.4.

Agency loan for 70% LTV, sponsors contribution, and syndication.

If you can go FHA they're doing a bunch of loans now at 3.5 - 5% down so that could be a great option. 

I have rentals, loan money, fix and flip and occasionally wholesale.