The reason why I'm leaning towards going with Chase bank for a home loan is because they allow for me to put 15% down instead of the opposed 20% for a conventional loan and the house I'm under contract with qualifies for a $5000 grant as a first time home buyer (meaning that Chase Bank will cover $5000 of all fees) Which is a HUGE BONUS.

The reason why I'm leaning towards going with Chase bank for a home loan is because they allow for me to put 15% down instead of the opposed 20% for a conventional loan and the house I'm under contract with qualifies for a $5000 grant as a first time home buyer (meaning that Chase Bank will cover $5000 of all fees) Which is a HUGE BONUS.

, BRRR, go to the casino?

Nevada almost always goes after the big guys (casinos) and the tourists.

Then set a firm number that I wouldn't take a penny less for..... anything above would just be a "bonus".Then I'd talk to a CPA about what my tax situation would be if I sold in 1 year, 5 years, 10 years...

Am I entitled to the tax benefits of bonus depreciation?

And I am not joking, I have put this out many times, even offered a bonus reward if the OP took me up on it.

Won't say 100% you can't negotiate, I'd say it's a bonus, but don't expect it.Chances are you will not actually get to bid on a property with a mortgage on it. 

Having that kitchen, living room space, yard, and bedrooms I'm sure all are a huge bonus when you've got kids in the mix!

Principle paydown is seen as just a bonus and is fully realized and accounted for when calculating equity, selling, or when doing a cashout refinance.