Negotiating favorable terms is both an art and a science, and in real estate, it's a critical skill that can make or break a deal.

It may or may not show on a credit report, depends on the servicing and you should have the loan serviced.Failure to include the debt on a future loan application is mortgage fraud, wanna go to jail?

@Donald Hatter We send the information to a collection agency who attempts to recover the money; after they make several attempts they place it on their credit report. 

Seller financed (probably) won't be reported to the credit bureaus and so won't impact your credit score at all.

Quote from @Carlyn Chism:I agree with Chris on a lender that might be a scam or make you may so much money interest because of the low credit score that you make $1.00 on the flip or no money.  

Quote from @Matthew Beninate: Quote from @Sarita Scherpereel: Quote from @Seo Hui Han: You may want to consider local banks / credit unions just because many of them will require or give you more favorable terms for things like HELOC's and other line of credit products if you have a deposit account with them. 

Many community banks will give you credit for proforma rents.  

WE dont pay a fee for the credit line as I mentioned just 1/2 point for each new loan..

Credit cards have the same limitation on the amount you can borrow and will likely end up costing more than private lenders.

Sellers are always going to look at more money down more favorably unless the agent explains the why behind doing the FHA, especially in a competitive market.