I take it you meant the seller?  

I'm assuming you meant lower the down payment right?

Think you meant to ask me; 18.

@Leslie NietoThe following is meant as a positive direction.Please read your original post. 

@Andy Sabisch before becoming licensed and working as an agent, I also thought that “finding” the property meant I was doing the agents job for them and should pay less commission.

@Terry Miller thank you, I have been reading as much as possible and what is meant by discipline because I am struggling find steps to take.

We only treated after evidence of termites.I'm not sure what is meant by "protection against them", if they are selling you some proactive program, it may be overkill.  

I meant I took 20k out of my savings for the renovation but yeah I would say that would be about my last dollar too at this point.

A decade of financial chaos followed, leading to the interest rate turnaround in the early 1980s, in part because we had a first term movie star president that really wanted to get re-elected, him being the first person to fully grasp what it meant to be off the gold standard.

We financed this deal on a commercial loan through a portfolio lender which meant a high interest rate.