@Christopher Phillips   maybe i'm reading this wrong, or it works differently in NY, but a 6% seller concession normally means the seller is giving the buyer 6% of the purchase price to use however they want in the transaction - be that for closing costs or principal reduction or down payment, whatevs.A seller typically doesn't have a say of what can and can't be included in the borrowed amount, that's up to the lender and the loan program. 

Assure them that this process can lead to a fast and smooth transaction without the usual market hassles.Be honest about the property’s condition and why your offer might be lower than the asking price.

Alternatively, you could suggest an owner financing transaction where they become the bank on the property and this way they get to collect a monthly payment all while getting a chunk of cash up front (your down payment). 

That is how best we can close and have always closed any transaction."

The Howey Test defines an investment contract (a type of security) as a transaction where a person invests money in a common enterprise and is led to expect profits solely from the efforts of others.  

Is demand for Hazel Green actually higher than Harvest, Owens Cross Roads, or New Market? 

I know NOTHING about these types of transactions and I am hesitant to just give someone 50K without a good understanding of what I may be getting myself into. 

Without the SSN the ability of the CRA (consumer reporting agency) to cross reference information is hindered. 

It's very difficult to create blanket laws stopping people from entering into voluntary transactions, even the transaction is largely disadvantageous to one party.

It's really in Spring Hill but right on the border with Columbia.