@Jamie FankhauserRichest man in Babylon-I found this at 28, I WISH I found it at 18 years of ageSet for Life (yes, the Scott Trench book)401(K)Aos by Andy TannerRich Dad Poor DadHow to Win Friends and Influence People

I made the offer to close at the appraisal price and they would finance the difference with a 5 yr interest-only note.It actually improves your COC Return because you end up putting less down for the same cash flow (lower purchase price & no down payment on their note).You most certainly should get an addendum to the AOS about it.  

I also had fun installing an AO Smith 240NI to replace the old 75 gallon HW tank, so that dropped the gas bill a lot more.