Because based on those answers, you can just get a conventional loan. 

No problem with down payment but will need conventional load which is not a problem as I have been pre approved many times just did not find right property.

I unfortunately blocked two plots and paid 20% for both and now it is almost 2 years and there is no response at all from Wagner or the builders :(-------The house will come with stainless steel appliances including a dishwasher, hood, refrigerator, and range.3 Bedrooms2 Bathrooms2 Car garage 1323Sq/ftThe price of this property is $198,000.00 with a 20% due at contract and the remaining 80% could be paid via conventional financing or cash.

Quote from @Brandon Larson: Yea, @Nathan Gesner is that legal to enroll someone in an insurance policy and then charge them for it?

Then I have a credit card to charge supplies and any utilities which allow credit card payments.

But in this case what is the difference from the buyer prospective, other then they are getting a better loan/ equity situation then conventional financing?

Just say you can't qualify and I don't want to charge you app fee.  

 - Fannie/Freddie (f/f) residential conventional loan is the cheapest money available.  

It may sound nice to pay a 6% management fee but the extra fees can add up to be more than the other company that charges 10% with no additional fees.

Include specifics about what's covered, overage charges, and how you'll track/bill utilities.