This is a case study of what to avoid if you decide to go down this road.Bringing this back to my initial comments, has this particular seller articulated his/her motivation?

Some other comments:1) The pics are terrible amateur!

Now as I’m researching on the BP forums, I found a couple comments about this.I will either have to wait till next year after filing 2024 taxes, to apply for low money down with FHA loan or find another way to make this work.Just wanted to post this so it may help someone else not make same mistakes.

I previously grouped him into the Columbus agents who seem to comment on every new investor post, especially the California investors.

I will just comment briefly on your retirement account you mentioned.

I feel bad/selfish for wrestling with this (my pastor had the same comment about if you want a "gross blessing" tithe on the gross, if you want a "net blessing" tithe on the net. 

@Greg Scott I'm curious to hear a bit more of your though process on this comment.

Yes  welcome and this is a great forum but need to be slightly aware as everyone has own experiences and comments ..

If you’re open to sharing your experience or thoughts in more detail, feel free to drop a comment or send me a direct message!

One I was able to get a commercial loan and combined 15% seller financing with 80% mortgage, for an effective 5% down.One quick note, the comment of use hard money for the downpayment and then conventional financing for the rest - this won't work.