The buyer is willing to offer $50k for the property as part of a seller financing deal with a chunk paid at the beginning and the remaining amount spread across 5 years and after which, the buyer will refinance and take over the mortgage.

I know a few who offer one time close construction loans and have had multiple clients use them.  

- What warranty are they offering?

All the  builders I work with offer a bumper to bumper warranty for 1year.  

@Kevin Vasquez what you are being offered is close to par on what you can expect for a low value refinance.

What can you offer in return?

Now the debate of where rates "should be" would be based on the quality of product each person/owner offers. 

I'm going to look at 3 more properties tomorrow and after getting a better handle on numbers in the last few days, we should be putting in some offers very shortly!

I am so glad I found the group and can't wait to research all that this site has to offer! 

Both of these firms offer cost segregation reports, generated from proprietary software, for $400 apiece, however KBKG offers complementary audit defense while Titan audit defense is extra.