For seller financing there are sites that can be used to check like equifax etc or other sites - you just have to sign up.

The first was for a 10% down payment, 20% seller financing and 70% bank financing with decent terms and a 60 month balloon on the seller financing portion.

You have three potential challenges:1) Most banks & credit unions won't put their HELOC, or any 2nd mortgage, behind owner-financing.2) Same lenders won't recognize the equity difference between purchase price & appraised value for at least 6-12 months.

Seems like it has owner data and CRM built in for both plans.

As for the financing, how much cash to do you have?

@Sharlene Morales seller financing, assumable loans, it all possible.  

Your problem is you won’t get owner occupied low down payments on the properties.

I'd be more concerned about the vacancy rate than the owner occupancy issue.  

If I were to start from the ground up, it would be difficult getting financing because I would be leaving my job and source of income and also my place to live.

Is a real estate agent really necessary if you are planning to offer Owners financing?