He explains this choice gives a higher chance of getting an offer accepted.I have played around with the numbers (i.e. full list price with seller contributing full closing costs vs. lower list price and seller contributing less closing costs).

Why am I confident with this choice?

Hello friends I do wholesale real estate currently in Texas where the closing simply goes through our title company of choice, looking to move into NC though i am aware that the closing process includes an attorney.

As for outside financing, I think that is a personal choice.

While no one holds a crystal ball, the choice to invest anywhere is often based on metrics. 

You obviously made the right choice.  

Spend the $100 to download a list from Listsource/Costar where you can set parameters of your choice (area, LTV, time in home, type of building,...etc). 

Thanks Karen - Everyone seems to use different tools, good to know there are so many choices. 

@Chris Virgil-Stone 50 years is a long time, but I could see how that could be beneficial.

Your best option is to get with a rockstar LO that has your best interests in mind to help educate you, work through all the different options, so that you can make that choice for yourself effectively.Best of luck!