And they are obsessed with paying it off, even if that is the last thing they will do. 

Property Condition & Amenities: it’s important to, “Maintain to the Neighborhood.”Key metrics for each Property Class:Class A Properties:Tenant Pool: Majority of FICO scores 680+, no convictions/evictions in last 7 years.Tenant Default: 0-5% probability of eviction or early lease termination.Section 8: Class A rents are too high and won’t be approved.Vacancies: 5-10%, depending on market conditions.Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Class B Properties:Tenant Pool: Majority of FICO scores 620-680, some blemishes, no convictions/evictions in last 5 years.Tenant Default: 5-10% probability of eviction or early lease termination.Vacancies: 10-15%, depending on market conditions.Cashflow vs Appreciation: Typically, 1-3 years for positive cashflow, balanced amounts of relative rent & value appreciation.Section 8: Class B rents are usually too high for the Section 8 program.Class C Properties:Tenant Pool: Majority of FICO scores 560-620, many blemishes, but should have no convictions/evictions in last 3 years.

Looking at data from the last six recessions, you can see mortgage rates fell each time (see graph below): But here’s what those buyers may not be considering.

I have a seller side strategy question.I've come across several note sellers selling newly created notes with significant discounts, such as a $50k note created in the last few months with an asking price of $40k.

Might be easiest for you and maximize your income to just rent the rooms long term but depends what you prefer.. 

I've also used some more obscure companies in the seller financing world like Pioneer Title in Idaho (they call in Long Term Escrow Servicing) and Security Escrow in NM (recently purchased by Sunwest Escrow).

Keep an eye on the market...

Recently, I told him that I'm not sure that profession will still exist in 10 years (when it comes to drafting legal agreements at least), as the last several times I needed to do anything with regard to a contract or legal document - I used ChatGPT to great success..

If you haven't already done so, study the local rental laws thoroughly  and join a landlord  association if you're considering long term rentals.

This trend has been growing significantly the last couple of years in the greater Seattle-Tacoma metro market.