But, I wanted to know if my reserved/conservative stance was warranted, or was I unnecessarily leaving money on the table. 

It is a unique approach.By the way, if you have questions about your specific situation, I may be able to help.

That's the benefit wholesaler bring to the table.

Did it ourselves, I bought great looking Kitchen table and dining room table and patio table sets for SUPER CHEEP and spray painted the one set, Sold it all on craigslist after we had offer and made more money than what I paid for it.Also did same with sofa love seat for Living room. a couple of small side tables and moved and shot room from different angles moving lights and tables. and then reset furniture in the family room. and took photo's there. 

If your property is $100k+, you are leaving money on the table by seller financing in todays market.

An agreement as such is the perfect way to get an equity piece of a deal without bringing money to the table.    

You could also make the case to the seller that their home is unique and that you would like a longer than usual study period so that you can bring them the best possible price. 

It's all done at the kitchen table, right?

I just purchased a home for my family that we plan on living in and in my wife's mind, dying in, lol.So I'm thinking about trying to do a flip and use partnerships with friends and family to get started.I have a family member that has bad credit but has some cash and skills to being to the table and he is in the same town.

As I get close to the closing table I realized that I didn't do much research on programs that help with closing cost.