In my honest opinion it is not impossible, but fairly close to impossible. 

Another might be a residential tenant whose child comes home from college and discovers black mold in her bedroom closet.Ideally, Tenant Estoppel Letters will be sent to them after the inspection and financing contingencies have been cleared and within the last week before closing.

I've done (and others have too) seller financing where little or no cash is involved at closing.

@Carolyn McBride what's your opinion on the Foothill and nearby neighborhoods (close to Fruitvale Ave)?

I'm a mortgage broker and can offer just about any product QM and non QM with competitive pricing. let's close some deals!

Here’s a more polished version of your message:Hello BiggerPockets community,A close friend has been encouraging me to get into real estate investing for years.

I was considering staying close to home.

You pay your agent at closing (think of it as an additional closing cost) Depending of the situation and of these options can be used by you and your agent to negotiate with the seller.

Account Closed"Barriers to entry", that's the term.

If I understand correctly; the seller would receive 80% ($40,000) directly from the mortgagee at closing and would enter into a personal agreement with me for the 20% down payment ($10,000) in which he would be reimbursed separately from my mortgage payments at a separately agreed upon rate and term?