@Joe Villeneuve I am sorry Joe, but for some reason I cant see what you see.If I owe him 150k plus 6.5 % interest and I offer 120k, I save 30k plus the interest and I can cash flor $1250 per month. 

I know everything is a negotiation, but what is reasonable to ask for interest currently?

The reason I ask for advice is I have invested in limited properties and have never experienced a downturn in the real estate market since I started investing.

I would also add on that you should ask them what deals they have closed in the past and ask them for some details on those deals so that you can see what numbers they work with, their level of detail, and if their deals make sense to you, because as you will see in this industry there are a lot of people who think they can make a quick buck and have absolutely no idea about finding a reasonable ARV, repair estimates ballpark, and/or calculate closing/holding/financing fees that buyers will incur.Also, make sure that they actually have the original contract to the house if they're assigning it to you because some people try to wholesale other wholesalers' deals and it's a mess.

Gaining more value where if you purchased outright with cash you gain no equity at all through debt pay down.These are the reasons there is such a thing as good debt.

Is there a reason why you couldn’t do this?

Here’s a map for you below (lolz to ensue):Second, when rents go up in Sacramento regardless (for all the reasons I stated above), many people will consider moving to those states with more affordable housing.

I am curious about different financing options with reasonable long term interest rates for a starter property that doesn't involve owner occupation. 

No reason to make it taxable.

I asked her reasoning in selling her home and when she needed to sell.