I typically don't get the offer accepted, but some do stick.

We consistently go in 5-7k over asking BUT we do typically build in 6% seller concessions into the contract.

Typically you get these on more institutional, bank loans, as opposed to hard money or private money.

@Ned Carey that's a daunting task ... if anyone would like to team up on this, I can invest some of my time ...

I make up for it by having higher amount of liquidity and alternate income (outside of my paycheck) vs something tied up in a property that is my primary residence....1.2 is a good chunk outside of CA... you'd typically see something around 1-1.5% rents to purchase price and at the price point you'd be able to get a portfolio of multiple properties.  

@Jay Hinrichs How do you typically set up these bird dog monthly payments? 

Bedbugs are typically brought in by individuals.

. — Is it typical for a lender to know or not know which one they use?

Typically, your partner would also have equity. 

Is it typical to pay the same minimums for small apartment buildings?