.• Financing strategy is everything.This is where I see the biggest difference in investor success:– Bridge → DSCR refi works best when you need rehab flexibility and want to maximize capital pulled out.– DSCR-only works when you get a cleaner deal and want faster stabilization without seasoning requirements.The structure you choose directly impacts how much of your original capital you can recycle.• Having the right investor-focused agent is a must.The investors I finance who scale quickly all have agents who understand ARV, rent comps, value-add pricing, and investor spreads — not someone showing pretty, retail-ready homes.You’re moving in the right direction, and the fact that you’re already thinking about deeper discounts, stronger ARV spreads, and DSCR positioning means you’re setting yourself up for real BRRRR success on the next one.

Hey Roc — even though this post is pretty old, here are a few tips for anyone looking at owner-financed deals:Think of the owner as the bank — your main goal is making sure the terms work for you, not just trying to get a super low interest rate.Structure matters: you’ll want a promissory note and a mortgage or deed of trust to protect both sides.Don’t be afraid to negotiate the purchase price — owner financing can give flexibility, so the seller might be willing to adjust if you explain your numbers clearly.Make sure you calculate cash flow including repairs, taxes, and insurance.

The setup with a separate rentable space is the stronger long-term move because it helps offset the mortgage faster and gives you more rental flexibility. 

I’m pretty flexible and they appreciate it.

In most cases, an S-corp is not ideal for long-term rentals (you can lose flexibility on losses and step-up, and it complicates getting properties in/out of the entity).

@Adam Copley "leave out expensive projects like a roof, windows, or major mechanicals that still have useful life (for a rental)" Better wording is stay flexible on these big ticket items if you pivot to a rental.

I'm pretty flexible, but I know I bring great value to my clients. 

For loans, as a first-time buyer living in one unit a 2–4 unit property can be gold because FHA allows owner-occupant financing with as little as 3.5% down which lets you live in one unit and rent the others, or look at conventional 15–30yr mortgages, portfolio lenders if you need flexibility, or private/hard-money only for quick flips (avoid unless you know rehab).

Your tenant can be more flexible since they're not moving.

Do they take part-time agents & how flexible are they?