Typically you need 30% down, expect a minimum of 3 points, loan amount greater than $100k and the term is typically amortized over 20 years.One Time Close Construction Loans: These are becoming more popular, but can absolutely be a pain in the butt.

I feel your pain.

The path of progress is painfully slow.

Being without a fridge can be a pain, but they can also get a cooler and ice and adapt.

I’ve heard from others it’s been taught as finding their “pain point” — whatever floats your boat as I’m not into fancy names.  

Take a look at this blog post, you may be able to better understand your seller, anticipate their pain point and provide a solution they haven't considered.

When I did an appraisal only a few sellers tried to be involved, but agents were a real pain most of the time.

The biggest pain point many face is when they are stuck in between where deals are not big enough for the larger check writers but the  equity needs surpass the friends and family network of relationships.

Otherwise, I think the main issue is "creative financing" still requires "desperate" sellers, those that have a particular massive "pain" that just needs to be relieved in anyway. 

It was a painful but necessary purge, clearing the path for a renewed sense of purpose and clarity.Armed with newfound determination, I embarked on a journey of self-discovery and reinvention.