I've had business and conducted hundreds of sales transactions and find it very underhanded.

Here's the instructions:https://www.phila.gov/departments/board-of-revision-of-taxes...

Having intentionality in your actions and goals set to enable you to reach that 1 real estate transaction milestone is important and will ultimately help you reach that sooner. 

That means either you won't cash flow or your Return on Equity (ROE) will be terrible.Since this is your primary residence you'll be exempted from paying capital gains taxes when you sell.If you sell to your parents, it will be considered a non-arms length transaction and will get closer scrutiny.

So they can boot me anytime and they are on the checking account and can see all transactions I find that about as transparent as I can make it..

I know it sounds like I'm splitting hairs but some banks write HELOCs in their residential department....which won't write Investment Properties.

I’m wondering if anyone would be willing to help me out with the transaction to make sure I’m not overlooking anything and making mistakes.  

If a bank sells a note to Dion at 87K, they know he's in the business of selling, he sells for 95K to someone else, that is an arm's length transaction, the borrower had nothing to do with it.

The 2% negotiated reduction is the better transaction.

You have limited time to complete the transaction before the sale.