While the listing agent may encourage you to offer a buyer’s broker commission to motivate them to have their client consider the property, A) they buyer should now have an agreement regarding the commission and B) the buyer will see the property on online platform, diminishing concerne about the broker steering away from properties that don’t offer a buyer’s commission. 

In this case, I’d be assuming the existing loan (contract for deed with 4 years remaining on the term), and bringing the 20% down payment as a mix of a private capital and my own capital.

The process enables those bozos to remain unscathed. 

Secure a conventional loan for the remaining balance, and use alternative financing options like FHA loans.

Appreciate the content on here but I’m not motivated enough to scroll more than a hundred pages to see if a question has been asked already….just saying

If you told him you have been playing pickup games for the past year and need help improving your jump shot, now he has evidence you're motivated and a specific goal he can quickly help you work towards.

Once you qualify for REPS, your current losses are unlocked but your past suspended losses remain locked. 

The remaining depreciable basis will be captured over future years.

You need to go direct to motivated sellers. 

If that's not a possibility because of work, etc.. then you should work on getting a high income to comfortably afford an $850k home if you wish to remain in state.