I don't earn any profit from this deal as the monies he's paying is the exact amount I pay on my mortgage every month. 

I have listened to thousands of hours of BP podcasts (as well as others) and audio books on the various forms of investing.I am "that guy" with 800+ credit, what I believe to be more than adequate knowledge, great communication skills, a real estate sales background, and very little REI experience.I'm anxious to find a great Core 4 (Lenders, Deal Finders, Contractors, Property Managers) and start a successful buy-and-hold REI career, locally and/or long distance. 

Total Monthly Payments for 60 Months: $1,677.67 X 60 Months = $100,660.20 Balance Remaining After 60 Months: $334,864.68 Total Received: $334,864.68 + $100,660.20 + $1,000.00 = $436,524.88 Total Interest Earned: $36,025.08 Seller is interested in financing this deal, but they are concerned about low down payment and how they are going to protect their interest during this transaction.

Rather, I think this is more about discretionary investment income that you have the choice whether to just let sit in a savings account earning next to nothing so that you don't miss an opportunity when it presents itself. 

If you earn enough to qualify for a >$1m mortgage, you will be over that income limit, this works out to being a pretty hard and fast rule too.So it's basically stick to SFR and duplexes, put the time/energy/work into finding something off-market (no listing agent, not on MLS, not on redfin, not on zillow, etc) for dirt cheap (25% off of what it would sell for on the MLS should do it), or save up 20%.

.), so you are earning 1.5-1.7% on your money but have zero risk.

I'm not looking to take advantage of my tenant but I don't want to be taken advantage of either.The value of commercial real estate is entirely tied to what you can earn from the property.

It appears as if the down payment for a conventional, 30 yr loan, has to come from personal finances (Money in the bank with proof of earning).

Giving away more then $85K in 2019 for the building without earning any equity on it killed me.The building is old and we are planning to renovate in mid-2020.

Before exploring this concept with a qualified legal and tax professional, I wonder if any of the community has anecdotal experience around taking a distribution from a 401K and balancing the earned income taxes with paper losses from doing a cost segregation study.