I would imagine it was the seller.  

Hi Jeremy, I'm unsure on the answer to the question, but I'd imagine you can ask your attorney and I'm sure they'd know the laws for your state.

I am currently undertaking licensing courses, With all the courses, podcast and information I've read it's hard to imagine that I would have any more questions but unfortunately, that is not the case. -- I am wondering if all goes well with a motivated seller and I intend on putting the property under contract.

They will only cause you more problems than you can imagine.

I would imagine that if there is a balloon involved (most of my deals do), then there can not be a pre-payment penalty?

If you have the time try to attend one of the local meet ups - I imagine there are quite a few of us in the Bay Area that would be interested in learning more about your strategy (myself included).

They poured the cement themselves, and then took a broom to it.

The previous owner had poured a driveway over the drain field, which was not in working condition.  

Even if you could save money for a down payment, and 6 months reserves, I imagine that 6k a year is too risky for lenders.

I just can't imagine paying cash for a vehicle, unless interest rates were outrageous.