Here is a quick breakdown 1. Would this be a good deal At a glance, yes, it could be a solid buy and hold or creative finance exit deal, but here is what stands out: The offer price of 190k is tight for wholesaling with only 49k spread to ARV Two thousand per month rent and estimated PITI around nineteen hundred per month gives you around one hundred dollars cash flow per month That is thin, but not terrible if: It is in a strong rental market It needs minimal capital expenses or turnover You plan to hold long term or sell creatively with a wrap or lease option 2. Is PITI less than rent the only priority No, there is more to look at Cash flow. You want PITI plus other expenses like vacancy, management, and maintenance to be well under rent Exit strategy. Can you resell with seller finance or a wrap to a retail buyer at a higher interest rate Equity position. Are you buying at or below market with potential for appreciation or refinance Risk. Is the seller financing fixed and safe for the full 15 year term This could work with the right structure or exit strategy. Happy to help you fine tune it Contact me at [email protected] and we will walk through it together

💬 What to Say to the Seller (If They Don't Know Owner Finance): “Mr. Seller, most people list with an agent and think that gets them the most money. But after commissions, closing costs, and taxes, you're really walking away with about $350,000 — not $425,000. Here’s another option: I give you $20,000 upfront You earn $1,392/month for 8 years You get a balloon payment of ~$267,000 at the end Total you receive? Over $421,000 and you save on taxes. you become the bank, collect monthly income, and walk away with more cash.” Then ask: “Would you rather walk away with a big lump sum and give a chunk to taxes and agents or make more over time and get paid like a bank?” send me a message if you need more help and also let me know how it went. [email protected]

I’m in CT