In the U.K. and in Germany for example, home ownership is only for those who can afford to bring in 25-30% down towards the purchase.

That's a control freak thing, so spare yourself the entirely justifiable frustration of failing to convince me that my time is better spent elsewhere.  

And since few agents really understand all the other "outs" the TREC contract affords a buyer, it betters my position as a seller when there is no termination option period.

There is a huge demand for decent, affordable housing in my area.

So it's kind of frustrating because I know what I can earn but if they won't pay, oh well. 

Frustrating!

I do not have the money to afford 25% down payment on a second home.

It requires less cash to get into the property, you have fewer holding costs because you've combined that with your own monthly housing costs, and if things go much slower than expected, as they always do, you aren't going to lose the property – unless you bought something you cannot afford.

While these types of funds may carry high interest rates, it's often not a bad solution if its for short term and you can afford the carrying costs. 

If it's vacant.. the motivation is likely higher)Inherited Properties (These can be pulled manually) If it's not F&C they inherit the mortgage too, often they can not afford two payments and need to sell quickly.Evictions (These can be pulled manually) Frustrated landlord that doesn't want to go through the tenant process again.Delinquent Taxes (Some states are tax lien - like md, others are tax deed states).