If your lender has time ask him to prepare amortization table for you with 26 year  and 15 year fix, you will understand by paying extra will save your money. 

I have seen cars turned into BBQ grills, tables turned into desks, all kinds of things turned into light stands, and so forth.Just because a word or phrase is used for multiple things doesn't mean they are related in the sense that we are criminals because we take an old tire and turn it into a coffee table vs someone who breaks into the DMV and creates fake IDs. 

There are basically 3 choices: Bring more money to the table, have the seller drop their price, walk away from the deal.If you offered $X, and it comes in at $X-$50k, that is the seller's problem.

Wouldn't it be nice to find yourself sitting in a new apartment next week with a big pile of cash on the table?

Will you walk away with money from the sale or will you need to bring money to the table?

I bring too much to the table with my skill set so instead I just learn from reading and my favorite gurus on YouTube and of course, BiggerPockets podcasts.

Ive partnered with people before without bringing cash to the table.

When I consider what I bring to the table, it's access to capital (not deals or experience).

You could make an amortization table in excel and show them the total amount of interest they could make on top of the sales price by seller financing.

Looking to create a transparent system between us so it’s all out on the table!