Straight private money loan for 5 years.   

Joe is a straight shooter and tells you like it is. 

We seller financed for an above market price but with no interest or points, just a straight sales price and set payment for 20 years.

Since I only had a W-2 and one rental property income, so it looked straight forward enough to do it all by myself on TurboTax, right?

4 - What knowledge do you have in the following topics -      a)  Market Analysis     b)  Property Analysis     c)  Rehab Analysis     d)  How Money Works     e)  Building a REI Business Plan     f)   Establishing Financial Goals (total Cash Flow and total Debt Payoff)5 - What Strategies, from the following list, are you familiar with -     a)  Straight Flipping     b)  Buying to hold using conventional financing     c)  Using Private Financing     d)  Buying/selling on Land Contract     e)  Using Sandwich Lease Options     f)   Using Equity Partner Buyins     g)  Using Equity Partner Buyouts     h)  Using both f) and g) on the same property     i)   Using uncollateralized Loans     j)   Performing Notes     k)  Non-performing Notes     l)   Partners     m) NNN commercial properties     n)  ...any other strategy I didn't put in this list

Appreciate the straight forward response!

Straight cash homie(Randy Moss Voice) How did you add value to the deal?

My goal with this property has always been #1 primary residence and #2 offset expenses with STR, it was not purchased as a straight investment.  

If she wants upfront cash negotiate that amount so you wouldn't be doing a straight cash purchase for $100K. youll still cash flow $500 a month once you have it rented, and you won't need to deal with a bank. like @Joe Villeneuve you need to figure out what she wants. maybe she doesn't want $100K upfront. 

I drove through the area on different days during different times and it’s pretty straight.