How do I complete the deal.....

[Daniel Bork]

I have a complicated question for all you creative wholesalers out there . So I have a 4 unit property under contract. I just received an offer from someone who wants to come in with half cash and owner finance the rest with a short term ( 3-5 yr ) deal. I'm not sure on 1) how to structure the lending part. the 3-5 yr part for the balance

2) what terms should I set for monthly payments

3) I'm in NY which is a judicial state do I have to use a lawyer

4) what are the risks for the property owner and myself

5) when and from who do I get my assignment fee

6) If they have that much cash why not just get a loan

Thank you in advance for the advice !!!