They will pay a higher mortgage payment because they are not trying to cash flow.

Their "Titanium Service" does NOT mean anything, other than they would ask you to pay $10K to sign up for it.

Assuming these are for short-term loans, such as for flips, @Keith Groshans, you could do what we do and let the borrower keep the money and pay everything when they sell the property.

I have a followup question - I will realize a lot of capital gain from this home in Idaho, so I think unless I purchase a new primary residence I will have to pay that capital gains tax. 

A good deal for a retail buyer is something they can pay for which has most of the amenities and location they want.

Quote from @Cameron Moore: Exactly. 15 years ago, I noticed an increase in owners using insurance to pay for a replacement roof, usually to sweeten the pot during a sale.

The flipper pays 12.5% interest to the lender, and I receive 10% of that.

If I sell one house per year, it will pay for itself.

I used $80k to pay off personal debts and $50k to remodel it by myself with my two hands.

However, aside from that, I couldn’t find much information about them, and the only online presence seems to be the wife’s LinkedIn profile (though I’ve never met her in person and am just going off her profile picture on Zillow).After submitting the application through Zillow, we attached our income (two months of pay stubs for each of us from our current jobs), work references, credit and criminal background, rental history, and the contact info for our current landlord (who just so happens to be my fiancé’s father).