But with the VRBO renters, it doesn't appear that I have that sort of flexibility to write in the utility contingency.I'm considering putting in a NEST thermostat in the house and a remote pool pump monitor so I can keep an eye on where renters have set the temps?  

@Justin SumulongMany people on BP forums talk about many custodian it sounds you want a smaller more flexible company that can do both IRAs and HSAs.  

Or, does anybody know any bank that would be more flexible than Wells Fargo in terms of giving this kind of loan.

The local 1-2 location banks typically have the most flexibility when it comes to creative financing. 

Or work with smaller banks that might be more flexible.

Plus...escape velocity...Episode 113 – Jay Papasan - Very practical slow and steady adviceEpisode 221 - Tim Shiner - his concept of equity build up and "shearing the sheep" shows some of the flexibility of real estate vs a 401k Last but not least, I strongly recommend all the tax advice given by my fellow CPAs.Amanda HanBrandon HallTax Reform Update – Brandon Hall and Amanda Han Linda Weygant GuidesUltimate Beginners Guide Forum StickiesBP Calculators or spreadsheets uploaded by membersMy Favorite Books I have to say all of the BP books…right?

That kind of information can help me decide what I am willing to offer and tell me what flexibility I will have selling vs. renting long term.

Another flexible/solid bank is South Central Bank.

The 401K and similar plans offer you flexibility that real estate won't. 

There's also plenty of flexibility for extra hours/income if it were needed, but the idea is not to run ragged in favor of the almighty dollar so long we're constantly improving our balance sheet.