delayed financing - what to what out for

[Roy Mitle]

What are the pitfalls with delayed financing. This is what I read in various threads

a) In delayed financing, the appraisal is typically more strict. So may not come into the right value

b) with delayed financing, u end up paying some closing cost. If you buy a 500K property with all cash and then do delayed financing, you will end up paying higher closing cost vs just doing conventional financing

c) you need to put higher cash upfront. So with a 500K property and assuming 25% down, I would have to put in 125K down. With delayed financing, I have to put in 30% down. (all this assumes non-owner occupied)

Are my points above correct. Also I want to make sure there are enough lenders offering delayed financing. I don't want to get stuck with just one lender offering this program and then have to be beholden to their quirks and monoply interest rates.