But she said her and her broker will not submit my offer because its too low (my initial down payment) as it wont cover her commission fees or something like that?

@John UnderwoodI've seen very few non PM people post what their annual spend is for all these apps and software.That makes me think.1.

A full-time position just hasn’t come my way yet.I recognize that in theory, monthly mortgage payments shouldn’t be an issue since I’ll be househacking, I would just rather comfortably afford the mortgage if everyone somehow decides to move out at one time.

Run some quick numbers on that to get a feel for your new monthly payment. 

Your payment should drop by two thirds.$160,000 for a 2,000 sqft house is cheap, even for Milwaukee proper.

Please provide proof of on-time payment of rent, during the tenancy, for existing tenants.What method is currently being used to collect rent?

Like down payment assistance.

I understand that as the buyer, the benefit is taking over the seller's mortgage payments which may be more favorable thank taking on a PITI in the current market.What I don't understand is, what is the benefit to the seller?

BUT RARELY do they want to learn this... when rates got to 15 to 18% in the carter years.. to keep deals working I had to give my commission to the sellers and take back notes from them so they got some cash to induce them to sell .. and the sellers paid me monthly  Usually half of the payment No interest until paid..

Here's what I created in an attempt to get either a lower price or better payment terms with seller financing.Background:  This is an international property in a Country that it's fairly common to ask for payments.