Here are some details to help with feedback: Sq ft: 950Bed: 2, Bath: 1Unit type: 1 of 4 in a four-plexLocation: Southern CaliforniaPrice is in the low 200's and negotiable.

Here are some details to help with feedback:Sq ft: 950Bed: 2, Bath: 1Unit type: 1 of 4 in a four-plexLocation: Southern CaliforniaPrice is in the low 200's and negotiable.

Negotiate negotiate negotiate.  

Your best case is that you'd get the house and he'd pay for it, or the other way around, it's negotiable and your attorney can tell you of what your circumstances may allow.

Then from that value you subtract expenses to lease up, the lost rent during lease up time, commissions etc. but also give a credit for less variable expenses since the property is only half full.But if the seller knows you are to be occupying he will try to negotiate these expenses down because your occupancy will cure all these shortfalls the day you move in. 

Also, I think my Realtor is doing an awful job negotiating if he just takes a No like that instead of calling on time or trying to convince the guy that the FHA will go through and that we are offering more. 

If so, how many hours have gone into negotiating this term?

I was able to negotiate all of them from the credit report. 

I don't necessarily consider loans as risky, I'm coming from the point of tying up the loan payment money and having negative interests to pay VS getting that payment money to work for me some other ways (lending, flexibility in negotiations, etc.).

Rates are negotiable.