When Momdani(sp) gets his way and the grocery stores are government owned, and short on food, reality will sink in.  

. $204,500 @ 17.5%– $35787Estimated Net Proceeds to Seller$350,213Owner Finance: OFFERSale price 350000 Down payment $20,000 Owner finance note for the remaining: $330,000Interest rate: 3%Term: 30 years (fully amortized)Balloon payment: We pay off the entire remaining balance after 8 yearsWhat you actually receive over the 8 years.Down payment (day 1) $20,000 pure cash profitMonthly payment (years 1–8) $1,392.97/mo × 96 months = $133,725Part principal, part interest Of that $133,725: Interest portion ≈ $71,150 your profit minus taxesPrincipal portion≈ $62,575Balloon payment at end of year 8 ≈ $267,425 (remaining balance) capital gains Total cash you receive over 8 years≈ $421,150Your true profit (down + interest)≈ $91,150Estimate Closing Cost ($5,200)Capital gains ($35,787)Net Proceeds $380,163 Never provide owners advice on owner financing.

That’ll go a long way with potential partners.As for ChatGPT, I totally get what you’re saying, but I actually think people underestimate how powerful it really is.

When a market calms, value-add deals and under-market buys begin showing up again—especially for properties that need work or that aren’t positioned well by inexperienced agents.Sellers Need a Reality Check (and Many Are Getting One Later Than They Should)You’re starting to see the classic signs that sellers overshoot:Price reductions after 2–3 weeksOffers coming in at ask or belowCredits returning as a negotiation toolHomes needing minor repairs getting ignored by pickier buyersThis is especially true in some West Knoxville price bands, where sellers are used to getting whatever they ask for.

You’d be shocked by how little actual screening many PMC’s do!

It's the reality needed for her to move on and as a friend , I won't put any more hopeful thoughts into her head.

As a GC and flipper, I always include my scope of work, rehab timeline, and budget so the lender sees how the numbers actually come to life.

The reality is if your cash is low(such as $37/month) you need to have reserves for when large unexpected expenses happen (and they will happen).   

You’d be shocked by how little actual screening many PMC’s do!

Not “seasonal.”I mean straight up difficult.And what’s wild is… some landlords and PM companies are still acting like tenants are fighting over units and they can take three days to return a call like it’s 2021.Meanwhile, here’s what we’re actually experiencing:Tons of inquiries.