I am a big believer in working with what the market offers you, instead of trying to grow oranges in the winter.Back in 2010 that was foreclosures, in 2015 it was short sales. 

Quote from @Dennis Knapp: they are offering 5% down and 5% fixed rate just seems to good to be true i am researching them now. 

How do you evaluate R.E. deals for potential creative financing opportunities?

They may less sensitive to need upgrades/remodeling and avoid moving. 4) get a backup/lowball offer from opendoor, offerpad, etc etc.

I have looked at over 100+ houses and OPM is for using less of my money right now and keeping that into the stock market which gains a more lucrative return on average.

I am not a fan of the stock market.

I should have specified that the policies I have had with my last two carriers (State Farm and Erie) required maxing out the liability protection offered on my properties before they could be listed under my umbrella policy.

I’d have to pay the full class in order to be done but I owe so much on it and their rebuttal is that I’ve already been exposed to the resources and tools that they offered so I guess I’m stuck with them till I pay it off.

They have offered their property to us at a very good price.  

Explain the situation and offer to pay 1/2 of the expense.