I was in this predicament last fall.

What I intended to convey was to the seller there was no 6% such as a traditional "cash offer"Great feedback that I'm heeding: move on to the next property, wait for them to come back to me with interest, check back if/when listing expires, and most of all don't post with half-baked details which inevitably will come across as poorly messaged - this case distorting my moral compass.

@Martin Morales and I are renting out a protperty in Allentown, Pennsylvania.

@Fernando Morales, well, that's one of the great things about seller financing...it's all negotiable.Good luck!

Although before moving back to my own house we had an agreement that I would only pay utilities plus some other bills like Netflix, etc, while I was getting out of debt. they are using an  excuse that my girlfriend is at home so everybody got a pay for her/his own room, Although she only use water Gas and electricity Morally I decided to stop counting with my home-equity  because I think it’s a big responsibility and my family is living there too. 

@Dave Skow I am a current college student who is in a similar predicament when I graduate.

legal advice is one category, but moral or long term business advice is another.

What you are referring to is called “inducing the moral hazard” and I’m against it as well.  

I have a predicament and did a search, but could not find anything dealing with this particular situation.I am purchasing a home in foreclosure from a friend and am buying it via a new first mortgage through a escrow company. 

This document then can be later used to "prove" that the house was build in some year.I'm just stuck in a predicament where if the house is older than 1978, it can have lead.