HI,Im new to real estate and have been reading alot of books and attending investor meetings.

This only pertains to allowances given as credits for loan purposes, if those credits are allowable and you qualify at the required loan to value then the seller may apply all the credits as agreed, these are to separate matters, what is credited as a down payment for a loan and what is agreed to.This is why most rent to own buyers fail, they assume what the pay is credited to obtain a loan and they are not as contracted, you only find out when the property is appraised so you need to save more in the event your contracted payments are limited to only the excess paid over the fair market rent. 

I would argue to the seller that he is not making a third party loan. he already has the "risk" by owning the property and should a rainy day event occur, he is back to square one plus what ever you have paid to him and towards the property improvements.

Look forward to meeting you at an event.  

I have a pretty diverse career history, primarily in business to business sales and event/wedding planning.

And more often than not, it’s at events where there are food and drinks.

I attended college while a husband, father of 3, and working full time to obtain an Associate of Science in Electronic Engineering Technology, Bachelor of Science in Business Administration, and Master of Science in Management.

@Rick GriffithWe attended a 3 day seminar in June.  

I have 2 sibling attending SF state and they're renting a 2bd unit for $2300. 

Thanks for sharing @Justin KaneSorry about the tough events you went through, but I am glad to see those events had not stopped you from achieving your goals.