Posted by AL on June 11, 2000 at 24:38:58:
There really is no baseline. Just find out what the seller wants. The savings account presentation to him is not a bad way to present that, although, emphasize the distributed capital gains aspect as well.
I would try to get a 2nd for 30 year amortization with a balloon due in say 7 years. Only if you can refinance before then, and get the seller out of the property all together.
All of this of course is dependent upon the cash flow supporting the above suggestions.