When they give you a rent range, understand that a single family home is on the low end of that range, a townhome is in the middle, and an apartment is on the top end of the range.  

Is this a low ball offer or is it reasonable ?

If he shops at Home Depot or Lowes alot likely the people at the Pro sales counter will have things to say about him one way or the other.  2.

This is a low score.

Owner financing a property, nothing down, and no interest for $450k Property is on the low end valued at around $650k with frontage on main freeway, high growth area. 

This made the loan payments very low.

I found it myself on Redfin and gave a low ball offer, the bank countered a little higher and we accepted.

Your “what” questions are really key and a great takeaway I use from the book never split the difference.I’ve found that the best negotiators are those who first listen well and second aren’t afraid to start with an uncomfortably low offer at first.

Or maybe I have too many expectations as a privileged white man who is now living with low-income.Thoughts? 

Single family rentals work, but a low DTI ratio will make it harder to get loans.