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Of course, depending on the interest you get to finance, with today’s low rates I’d stretch financing as long as I could to improve cash flow while the loan is being paid off.
There are some interesting ways to use financing with a lender to get 10 years to pay back the purchase amount, also with no prepayment penalty. You can actually borrow the entire amount to get 10 years on the full amount while still having an adjustment/clawback on the purchase price. It usually works out the best one cash flow basis, unless the seller is willing to take a 10 year note.