Re #2/3 So basically the borrower would look for the at the mortgage agreement for that requirement?

Basically, charge VERY little and PAY ON TIME EVERY MONTH.  

Investor simply do not know how to run the numbers and by the time you run them for them and they are not really making any money they say OH I see what you mean.. its funny how basic math is just lost on many folks  LOL

@John HyattThe answer is no.The principle of a self directed IRA or 401k is no different than any other retirement plan, just because it can be invested differently.  

If the buyers feel like they should get more money, they can do one of three things:1) re-negotiate with you to amend your original contract2) walk away from the closing table and refuse to sign (basically bringing the deal to a halt)3) suck it up and sign.I can't imagine a closing attorney would hold money back for any reason, unless he had it in writing and signatures from both parties that money was to be held back... that seems beyond me. 

Basically I sound southern but speak very fast.

But how do you think the basic methodology works?

Drive around in the areas  Basically there are no moving parts inside of the house.

The time value of money principle tells me my $200K higher offer is actually better for me.

Get some basic business cards and hand them out to everybody you know.