For instance, if when you buy you see the property will need a new roof in 5 years, is it more expensive to fix it now, or later? 

While it looks all good, I would be curious to see if an attorney would view this as mortgage fraud.On a sidenote: I will get up on my hill and say we see so many instances where someone cannot afford a property but think by the graces of their believer they can save it.

It reduces risk by having them know the laws which are extensive (down to needing a compliant monthly statement) etc.The other component is no chance I could do it for that price either.

Once you have a shortlist, sign up for an account with each one and test them extensively to see how they function.

I’ve had instances where lenders have only charged me a penalty on payoffs but it’s really case by case.

This is an instance where possibly using a mortgage broker to shop rates for you would come in handy. 

@Rusty Scott Price reduction vs pulling out cash does not make sense in this instance.

Then by extension don't they own the property - or at least an equivalent bundle of right the same as owning the property. 

Since it would then be a family deal, this is one of those very few instances that makes sense.

I'd ask for an extension to allow you to inspect the other unit.