Get even a $10k discount on the purchase price and you've just saved yourself the money without all the headache.

You will need to discount the note, but if you structure the deal correctly and have strong seasoning the discount could be minimal.

It is not get rich quick but is a professional career path with tremendous potential upside

And yes, you would possibly be getting package discounts.  

We purchase non-performing notes at significant discounts with the goal of returning them to performing loans and helping the borrowers stay in their homes.  

To date, I've spent $8,595.33 on mailing lists, a discount order card, and postcards with yellowletters.com. $89.77 on a live answering service, Voice Nation. 101 people have called me.I got my first deal after 2 months and none since.

Thats a good point, if my wife had a flooring company I would expect her to get paid, but I would expect an extreme discount, because she also has a vested interest in the profit of the house.

Finally what percentage or discount are you seeking on the CMV or "as-is" value for your first rental?

Every seller financed deal I put together, and they are few and far between here in SoCal in the market I work - (just to be transparent because someone will read this and decide they are going to go out and do nothing but seller financing deals) one of the first questions I ask myself is, "I wonder how much longer this person might live until I can get a huge discount when their heir gets their hands on this note?"

I don't discount my commission.