If Rob agrees to sell the property for $218,000 in 3 years and it doesn't appraise for that, then he can always lower the price or extend the term.

On the other hand, if he agrees to sell it for $190,000 in 3 years and it appraises for $218,000, he can't reclaim that lost appreciation.

It's simple, Matt, don't you get it yet? Selling on terms for today's value is financially moronic. How do I know this? Because I made that mistake and I learned from it.