I do this as a favor to my Client, but mostly to insure that it was done correctly and on time.  

They have a repayment period and aren't usually as favorable as a mortgage. 

I think may young people think Granite is old fashioned so I would quartz.In regards to the Cabinets if you are worried about the lacquered finish I would keep it shaker but with a dark stain.

If you plan on staying local and investing in your area I would consider slightly less favorable rate or terms in the name of establishing a relationship with a local bank.

I always use my contract which is written heavily in favor of the buyer when I am purchasing something.

Depending on your own situation, with 25% down you could get a bank loan that would probably be more favorable than the seller's if you are looking for straight cash flow.  

If this were a condo community, I think I'd be more in favor, but not a SFH Association.

I say this great line from Michael Quarrles when I am in a tough negotiation and I act like I need a favor.

As long as the numbers work in your favor, it's a good deal.

This is't to say you can't find a deal, or make something work in your favor.