Look at their marketing strategy.

Also, its cost in marketing and getting the right person in.

@Justin Reyes Let me ask you this...If you owned a marketable piece of real estate and no longer cared to own the property what would you rather do: (a) Sell the property, pay off your mortgage and move on to other opportunities; or(b) Sell the property without paying off the loan,  remain liable for the loan as the note signer and trust the buyer will continue to make payments on that loan, and if they don't your personal credit is damaged? 

What I mean is this Money market at Bank of America pays for instance 4%, the money market local Bank of Bricktown Pays 4.5%, an online outfit is offering 5%.

@Billy Houston- thanks  1) DSCR might work very  well for you ...if you can  qualify for a standard  conventional 85% ltv  loan - this would provide better  loan terms   2) yes - DSCR is very different than a cash out refinance 3) consider  getting fully pre approved for a standard  conventional loan at a 85% ltv ..this is  crucial  to do if you are looking to buy in a competitive market - thanks and all the best 

Is there something else that you might offer to a first responder or other public safety personnel that isnt a rent reduction that can still be a benefit?

I feel the community and benefits would be SO much more accessible with an app!

You get most of the benefits from a central AC without the insane talks of installing ductwork in an old house.

Catheys Valley's growing market further enhanced its appeal.

As you know already - marketing for seller-financed notes takes a great deal of time, patience, trial, and error.