Not just 3%.Marry right or remain single, and start understanding how the game of leverage(not financial but psychological) works. 

I have read "How to win friends and influence people", "Influence the psychology of persuasion", and "Influencer the power to change anything" also, I know these tactics. 

The fact that you’re evaluating both the numbers and the psychology of the deal (DOM, price drops, buyer interest) shows real strategy.To your question,  yes, it’s absolutely common for experienced wholesalers to adjust the assignment fee slightly to get the deal done.

At $120k, 7% vs 8.5% isn't really moving the need a whole lot on the monthly payment (maybe $100/month) - it's mostly psychological.

I think that psychologically does not line up with seller financing.

Plus, for some reason, human psychology resists acknowledging downturns until they’re unmistakable. 

At this 2nd seminar comes the ‘big pitch’… be a part of ‘the club’… (it will have a fancy name) … maybe “master  mind group” where they will promise the world to you if you join… it’s only <insert crazy price here>… one of the ones I went to was upwards of $40-50,000.. and they hammered it home every 15-20 minutesThe thing you have to realize is that there is often a ton of psychology that goes into these presentations to get you to act and pull out your checkbook.  

Just for my brain to process the way the psychology works for some wholesalers.

The plan to time the market loses to psychology and fear of loss.To your point, though, I would agree that for some people the liquidity of REITs is a good thing.

In "The Psychology of Money" by Morgan Housel, he discusses the room for error.