This seems like an obvious one, but just know that there is always a relationship between price and terms. I don’t advocate paying more than a property is worth. But there is no doubt you can sometimes pay a premium price depending on the other terms, like a low payment that allows you to cash flow an otherwise great property.

Your plans for the property can also determine how high or low of a price you can pay. But for example, buying an in-demand, long-term hold property in a quality location can make sense to pay a retail price. This is especially true if the seller financing terms allow you to have good rental cash flow.

But if you’re buying a house in a depressed location or planning to resell the property sooner, you should push for a price as low as possible – even with good terms.


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David Wyrick REALTOR /Leasing Expert