The actual numbers are most important in that it must show the cash flow I am looking for, it must have at least one large upside potential (rent increases, vacancy reduction, add income sources, divide & conquer, etc), and it must be good enough to pass the lender's criteria (dscr, cash flow, etc.)

I.E. the bank carries 60% debt and seller carries 20% debt on an 80/20 loan but at that point there is little to no net tangible benefit to the buyer trying to get a seller carry for down payment reduction). 

While there is a cost, the reduction in stress from having to manage a property to me is well worth the cost that I pay my property manager.

Hi Tim,There is a ton of competition where I'm at, too, but there is still plenty to go around, especially if you are consistently making offers.I go after the properties that have been sitting awhile with no price reductions, and have been getting some really good deals this way.

at 20$ down payment you would need to request a 30k reduction in the price...

You'll be able to see how many days on the market and if there were any price reductions. 

Add to that a job loss or reduction in your own income.

Consider it a $10 or $20/mo discount on their rent and a reduction in hassles for you.

If it's even $100 too high, it could take a bit longer or require a price reduction.

Would this be grounds for asking for a big price reduction?