Hey Sam,Congratulations, hopefully you can work something out.My recommendation would be working with a lender that is comfortable with seller financing and keep your cash to close at a minimum.

Just make sure the monthly costs—like the mortgage, taxes, and maintenance—fit comfortably into your budget.

Some may be comfortable with 100% crypto transactions, while others could opt for a split between cryptocurrency and cash.For sellers unwilling to receive cryptocurrency directly, the digital asset will be converted to dollars to complete the transaction.There are many ways a buyer can use crypto to make a purchase:The simplest way is a Crypto to Crypto transaction, as long as the seller accepts cryptocurrencies as payment.

Other introverts will feel comfortable with you and that could actually help your journey......more important qualities are honesty, integrity and being a harder worker than others.Just be yourself and go get started.

With the cost of utilities and the level of comfort people feel is mandatory now there is no way I would want to be on the hook for it. 

If you just flat aren't comfortable with debt, then that's one thing, but I don't get the impression that's necessarily the case.

This i comfortable with. 

Because of my savings and lack of expenses, I'm in a very comfortable position to make my first move, but because my income is mid, I'm unable to meet the Debt-to-Income requirements to qualify.

Love your wife, but help her understand and see the financial benefits of sacrificing now for the comforts and freedoms that early sacrifices will make in the long term. 

Get out of your comfort zone.