This creates a nice payday for you in the future.

He is a cash flow investor, so looking for the quick pay day is not in his business plan.

Was just expecting the typical 'here's my big payday' boast.

You want us collectively to hold your hand to coach you to a payday on this deal without paying us anything in return for the years and dollars we have spent learning the wholesaling business. 

It has exactly what you said, several different options for the seller to choose from, each giving them more money but taking away the "instant" payday and giving the investor more time and a lot more ROI and cashflow.

Instead of having to wait for 3 back-to-back escrows which could draw out 5 months or more, they get one big happy payday 30-45 days from now.

I'd probably consider it if the house was around 1500ft and I was confident in my due diligence and rehab repairs.For us, as we try to fund our deals entirely with private money,  our margins have to be pretty big to cover the risk of our lenders and ensure that we didn't go through the hassle to end up with a lame pay day...I'm not sure if this was helpful or not.  

Since there are two major paydays in this deal (the upfront and again at the refinance closing), you could split the down 50/50 and then the seller would get the bulk of their money once the rehab is done.

Others produce pay days.

You  will say YES to 3% commission on a $300k home for a $9k payday but you will say NO to a 2% commission on a $900k home with a $18k payday?