All are the basics for how money works.Take your example. 

For example, making a larger down payment can help you lock in lower interest rates.

It is not that buyers  "don't assume EVERY person on the list is motivated"... no not even talking about that.What I am saying is this: You are explicitly, going out of your way to target people that explicitly do not want to sell, and ask them to sell.Hence my vegan example. 

For example, title insurance on a $750k flip is not three times the cost for a $250k property.

I am also 100% positive I am not the first...or second...or hundredth person to ask these questions but I ask here vs. finding others posts as I do enjoy fresh opinions while I start networking.Thank you in advance and I look forward to your suggestions! 

For example, I had a client in Austin who worked with a small, local bank.

In a sea of bad decisions with my consultant and project manager, Melissa was a breath of fresh air.For anyone looking to invest in Cleveland, I highly recommend reaching out to Melissa Hudson.

But you will never get a GOOD Contractor to work for you when you operate like that.And you missed all the examples of what can go wrong when the customer puts themselves in charge of materials acquisition.....wrong items, wrong sizes, too many, too little, on and on.....

I am sure the answer is "it depends" hence the term "creative financing" but was hoping people might offer a few examples to help me think more about how i might approach deals where the seller is motivated and the property as been listed for a long time. 

For example they owned 5 homes over the past 10 years. thanks.