And since I am brand new to a lot of this I don’t know what is too good to be true.

A beautiful home that profited well.

The same is true for any property in the world.  

They have sent me a letter in the mail asking to buy my lot for almost double what the local values are so I'm not sure if this is a scam or just to good to be true.

Is this generally true for all insurance companies? 

Sounds a little to good to be true. 

Last month or two I attended the free seminar they held at Melbourne, Australia, but I knew Robert wont be there, otherwise its too good to be true.

They would have to foot the bill and also pay for the removal (up front) - because maybe they will work the disposal correctly, but there will be a next tenant - so that decision could have expensive consequences for them.When you present them with the true cost of install and removal, it may not be that important anymore..

The true definition of "owner financing" is that the owner of the home is providing the financing to acquire a property.  

In true syndications, a sponsor shares all financials and will do a capital call if market conditions dictate more capital is needed.