@Kim CoffmanIf its your primary home, you are eliglble for the sec121 exclusion of $500k of capital gains (by "we" I assume you and your significant other are married).Owner financing, which is really taking a Note from the buyer really shouldn't affect your capital gains tax... your gains is still basically sell price less your cost basis / purchase price. 

I chose exclusively 3/2 - 5/3 SFR. 

No property manager can manage my properties better than I can, because they aren’t exclusively focused on mine.

@William Kim, here's my perspective as an agent who sells in Joshua Tree CDP and the surrounding high desert to clients exclusively looking to get into the STR game.

I use it almost exclusively in my rentals.SuperFast® RidgePlex Lite Mist 6.93" x 36.81" Floating Vinyl Plank (19.48 sq.ft/pkg) from Menards 38.75 a box.A tad over 2 bucks a sq. foot click lock.

Payments that you make normally fall into one of 3 buckets100% of the payment can be factored in somewhere on the returnPartial payment can be factored somewhere on the return0% of the payment can be factored in somewhere on the returnHouse-hacking also has considerable tax implications in the event that you want to sell this property.You can potentially defer a portion or all of the gain on the investment property with 1031 exclusion.You can potentially exclude a portion or all of the gain on the personal residence with section 121 exclusion.

I invest almost exclusively with duplexes and my goal is to maximize cash flow!  

These strategies are not mutually exclusive.

There are other variables on their end that would effect their tax hit when they sell also: whether they ever lived in it, rented it, have expenses to deduct, qualify for an exclusion, etc. so it depends on a wide range of factors.

From a common law perspective, those states that have a charging order as the exclusive remedy against businesses generally allow for more protection against Creditors.