Everyone has raised great points so far but don't get excited by the cheap purchase prices.

imagine if the loan officers husband was appraiser, would that raise red flag, her husband was doing a quote for the 203 b it would seem like  conflict, maybe there is some lenders on BP that can shed some light, I have been wrong before 

what idd your first raise look like?

I look at my credit card and see what was spent and remember how much I paid out for labor, I record that on the spreadsheet.

Since it is such a small amount, you could also use the 0% interest credit cards, or use a loan from companies like lightstream, lending club, prosper, ect

I have been raised around real estate investing my entire life and saw no greater option than to pursue it myself.

After raising such a fuss again, the original appraiser/ lender added another $20k to his numbers ( that was strange to me) but wouldn't finance it at those higher numbers.

Don't mention to the seller why you want to maximize concessions - chances are they aren't going to like the thought of paying off your car or credit card bills with their concessions.

Car loans, credit card debt, student loan debt or anything else? 

If these units have had long term tenants there's a chance the rents haven't been raised to correct with the market.