We find they are more worried about the final balance due or refund.

It makes sense to be cautious of paying for projections rather than the current reality, especially when you're the one who'll need to take on the risk and effort to achieve that potential.When it comes to negotiating, I think it's about finding a balance.

- Why can't you buy now and use savings to pay down your mortgage balance to get rid or PMI?

You do not need to go that extreme, and as I get older I'm understanding more and more of the value of balance. 

Those who strike the correct in between balance are generally those who are most successful.

That seems fair because they probably balance out to somewhere around $30-$40 an hour, which is a good wage for cleaning.If they don't like that, convert to paying them an hourly rate based on your market and pay them for the time required.

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Lenders will require 5% down and you will need to meet the conforming loan limits (not high balance unfortunately).

Helocs are great for this because you don't have to make payments until you use the capital and if you don't have a balance you don't pay.

Find the balance where land is decent, but rents are high.