I suggest you give them a call and they can outline the costs in detail.

I played the reluctant buyer on both (as outlined by others), but I was definitely not leaving that house without a contract.Now I have seen banks put REO's on the MLS cheap to create a frenzy, as Will Barnard mentioned, and it works.

Who pays for the title insurance policy (a title check is normally not sufficient) and for other closing costs is specifically outlined in the contract.

The owner finance addendum will outline those terms and whether or not the buyer can refinance on their own. 

Hello @Mitch Davidson, thank you for taking the time to outline all of those branching options!

Draw JV agreement with seller outlining who pays mortgage and fees, if the property will be vacated, etc. 4.

I think this is the scenario you outlined below.The bank would no owe you anything you would simply have $90k in debt on an asset worth $150k or $60k in equity. 

A lot of people have been successful with the Dave Ramsey baby steps plan outlined here: https://www.daveramsey.com/baby-steps.

The rest was a brief outline of future projects I look forward to.

Property management companies are not no profit centers, they surely have their fees all outlined and at times can seem high but unless a person wants to self manage they are left with no choice.