If your situation hasn't changed much, it might not be worth paying more for premier.

Looking to get started this spring with the purchase of my first SFH for a LTR situation. 

Seems like with an up/down situation or even a side by side duplex in Denver is difficult to find positive cash flow.

By your description of the situation, I thought that might be in. 

We don’t have an immediate need for the cash and current rates are attractive, so would love to hear what the pro/cons of seller financing are in this situation?

Each situation is unique, if they need to make modifications to the property, for example adding wheelchair ramps etc., I look at worst case of what would it cost to roll-back all changes and add that in. 

The mega backdoor roth sounds great in practice, but in real life situations I've never actually recommended it to anyone. 

That said, the other agent and I frequently reduce our commissions on these deals to make them work and, even if the agents don't, the seller would still be getting around 3% at closing with a 10% down payment which, to me, could be a win-win depending on their situation.  

But those folks were in way worse situations than you are..  

Two of your questions will be more situational and location based.We don’t ever haggle on pricing, although I would suggest being flexibleWe check credit, criminal history and everything that goes along with that, evictions, and income.