Sent offer early saturday afternoon.Seller didn't know what owner's policy insurance and related fees are (standard verbiage that just gets checked off on an offer nothing added).

Now I am having a good bit of trouble finding a policy for this unit. 

For example, you might offer $200K as follows: $25K down and $1500/mo until the balance ($175K) is paid in full (in just under 10 years).Do I need to say this constitutes zero interest financing?

Variances, formerly known as tolerances, are changing and this will force more fees into the 0% and 10% categories.

One where you've contacted his/her references and went to see his last or more recent job.Yes, you are paying a contractor to do the work you don't have the stomach or tolerance or whatever for.

Risk tolerance has gone down, they are more mature, but perhaps not wise.

That alone would warrant zero discount.  

Again, move-outs are real, vandalism and theft are real, extended vacancies are real and out of ten years an investor can expect to have a year, and in some cases more, where the return is zero.  

Very unlikely to produce positive cash flow.If you're putting zero cash into the deal, its hard to justify getting a very big "slice of the pie".  

They are saying the purchaser pays the premium for the issuance of the title policy, including cost of title search and recordation of title documents.