Get out of your comfort zone.

In this option your agent would either get paid from you directly in your closing costs OR from the seller via seller concessions.like Russell said, if you are comfortable with the transaction and understand what you are signing and you don't need things explained and you have connections with inspections and title companies then go for it.

LTV & CreditEliminate the emotion and treat this like the business it is.In my opinion it does not matter who the borrower is as long as they have a track record of ATR (Credit)And I feel comfortable with the leverage (LTV)

I highly regret not being further ahead of where I am currently financially to where I could provide more comfort to those I care about during their vulnerable times in their life.You see, wealth is not just about you.

Sometimes I have to show clients the math for them to get comfortable with it. 

I haven't read this page to see what's offered as conservation incentives, and then compared that against your local market prices for "junk" land.

These connections can provide insight into reasonable pricing and offer trustworthy referrals for future work.

These include drafting offering documents, adhering to ongoing disclosure rules, and audits, which can easily run tens or hundreds of thousands of dollars.

@Zach Denny - I agree - chances are the institutional lender won't be comfortable with an owner-financed 2nd and 100% combined loan to value.

On another note, just because your offer isn't close, as you said in your narrative, doesn't mean you're wrong with your offer price.