I have an open apartment and showed it to a group of three friends.  

If there are one or two small credit issues such as being thirty days late and it occurred three or more years ago, that is fine.

Seller financing usually comes into play because of three situations1- Property is not financable (construction defect, hazard, uninsurable, needs extensive rehab, etc.)                                                  

So you can do one of three things:(1) prepare a mock 1040 as you normally would as this will give you a high level of accuracy if prepared correctly;(2) review your previous returns and determine your effective tax rate, then apply that rate to this years earnings; (3) have a CPA do it.I get this request all the time so I've built a template for myself that allows me to quickly estimate a client's tax liability.

All three are at risk for ID theft, but you can't get the CR without them. 

Im also in NY and have been investing in Ocala for almost three years now.

Your below 300k budget will get you a nice home in all three areas. 

Two or three cash-out refis from now, it'll get too convoluted to do that.

Still only three responses and now in the 2nd week.

Just go to bed at night knowing that you'll be much happier and secure in five years than any of 'em