How to avoid lender seasoning on backend of sandwich lease option

[Chip Hoisington]

I was hoping to run this buy any of you guys who have done a sandwich lease option and closed on the back end with your tenant/buyer.  I have a lease with option to purchase a property for $520K within the next 24 months.  I put forth a $25,000 in option consideration which if I exercise the option, it will be credited to the purchase price.  I also have the right to sub-lease and/or assign my lease option.  And, can sell to my tenant buyer on the back end.

COMMENTS/QUESTIONS - Lender/Underwriter side.  I will send my tenant buyer to a mortgage broker to make sure that they would likely be able to qualify within the next 18-20 months.  I will also be getting a non-refundable option consideration, likely $10K to $20K down from the tenant buyer, which would be credited to their purchase price if they exercised the option.

QUESTION for LENDER UNDERWRITER.  How do I make sure the lender acknowledges their initial option consideration as either part or all of their down payment required?

QUESTION for Title Company and Lender  How do I avoid a potential seasoning issue (via lender) at the time of closing?  Since my purchase price is $520K, but my balance to pay is $495K. And let’s say my buyer’s purchase price from me as the seller is $600K, but their balance is $580K, assuming they put down $20K.  Do we do a double closing where title is transferred for 10 minutes to me, then on to my buyer?  Or is there a better way to do the transaction, particularly to avoid lender seasoning?  Thanks for your help in advance.
Chip