If you’re trying to build a Section 8 rental portfolio in Memphis, tying up 20% to 25% on every deal can slow you down fast. Owner financing can potentially let you get into properties with as little as 5% to 10% down, preserve more of your capital, and scale into more rentals using other people’s money. For investors coming from expensive markets like New York City, Los Angeles, San Francisco, and San Diego, the lower acquisition costs and stronger cash-flow potential in markets like Memphis can completely change the math.