Hey @Eli Edwards,In my limited experience New Western, and any other larger company who is geared towards wholesaling properties, generally doesn't leave much on the bone for the end buyer. 

Age doesn’t limit you a small mind and lack of creativity does.

Off grid sounds cool to some, but it really limits your potential guest pool.

Staying Flexible in NegotiationsAs agents, licensees are bound by ethical and legal rules that may limit how they negotiate or market deals.

Although we try to limit our Hard Money as much as possible due to the cost.

What is their federal lending limit?  

For added liability protection, consider setting up an LLC for the rental, though this may have limited impact if the mortgage is in your name.This post does not create a CPA-Client relationship.

In our still relatively limited experience, seller financiers are usually looking to get a higher asking price in exchange for the favor of the private loan. 

Two main reasons being: (1) debt does not increase your basis in an S Corp, which means your losses get limited.

As to asking the IRS reps, let me limit my comment to just three letters: LOL