However, I am not too privy on what decent term rates are in this realm of creative financing.

Here is some background on the property: Description: 2,100sf(this includes finished basement), 1/4 acre lot, 4 bedroom, 2 bath, garage Info: I bought the house in 2020, the week that the world shut down due to covid and have a rate of 2.99%.

Usually an easy decision as they weren't all good fixed rate long term conventional anyway. 

Credit is important because that will help you get the better rates when applying, Assets are needed to help you be flexible with your purchasing options because depending on the assets you have you can enter the market at 3.5% -5% or 20%.

Hi Austin,It all just depends on what the seller is willing to offer for rate/terms, and how this compares to traditional financing options.

You get their low, low interest rate, 3%, 4%.

Hi All, What is the best way to find out about crime rates in various cities? 

To assess safety, look at crime rates online and visit the area if possible. 

I am paying him $510,000 at 4.5% rate over 10 years.

In addition to identifying owner-financed homes, they can negotiate better interest rates and terms with the seller and assist you in completing the transaction.