My background is in software development and web application development, so I know I can assist with technology related questions. 

If he lied about anything else then reject him. 

You just need to educate yourself on the technology available today.

I agree with @Jerry W. in that the greatest risk lies with you.

Many do not trust technology and for that reason not having to deal with tracking multiple different forms of payment makes post dated checks the best method.

Percentages lie to you.Now, as far as the cost of the loans are concerned:1 - They both have upfront fees that are paid once.2 - The cost of use for a HELOC is applied every time you use it. 

You'll also have to pay a monthly technology fee to the office.

Less people work in offices these days because of technology and they tend to need less space.

And so on ....What if the seller was lying about the counter offers?

So i sent her a demand letter and on 9th oct i filed a small claims case. 1 day later i got a check with $1800 deducted from the deposited and a long letter full of lies saying why shes deducted.