You could also look at delayed financing if the value is close to 110K. 

You owe him nothing, he isn't your friend, and he seems to dislike you based on your personal choices so I certainly wouldn't spend a single second worrying about his feelings.

Originally posted by Ivan Jouikov: 6) Meet with highest bidder and take a non-refundable deposit (specify this as a "condition" of the bid auction). 7) Close.

Job andHome location do they need to be close?  

Those fee should be standard across the board and be the same or very close to the same for whatever you build.Next you need to understand that usually the larger the property the cheaper it gets per SQFT.  

If your wife is comfortable living close to other tenants you can get some low down payment loans and have the tenants cover most if not all of the mortgage. 

, through referral from friends who knew we were buying houses, at the closing table buying one house, we asked if they had any others, and more than once the answer was "Yes" and we bought a second property from the same seller!

A cash out could very well be 50% to 70%, (or they may not do cash outs) depending on the lender so you'll need to ask and shop  around.Each property must be appraised and title insurance obtained on each, so you're not saving much in loan costs except they may close as one transaction, filing fees will be applied to  each property as well.

If a seller is offering $10k in assistance but the PP is only $189k on conventional a loan with only 3% contribution allowed, what are all the options for the for any of the left over contributions after. paying closings costs ?

I'm in the process of closing on a 4-unit with one heating system for all four, controlled by two thermostats.