I am quite frankly sick and tired of dealing with this man.

You plain and simply can't afford this now so how are you going to be able to afford it in a year.

@Wayne Brooks The issue that came up was that the buyer's appraisal came back saying we were in a flood plain.

I never miss payments and when my mom was sick I screwed up bad.

If a plain clothes law enforcement officer approaches anyone over anything related to a legal matter, like seeking a witness on the street, what's the first thing out of their mouth?

I'd much rather be conservative and avoid potential (and costly) pitfalls down the road.While the rule seems to be plain, I'd like to know how it's actually implemented in real life.

That's just plain condescending, and unless there was some reasonable explanation that came with it, it was obnoxious as well.As for the lender, that may be reasonable.

The couple I am looking to buy from are dwindling down the size of their operation (the wife manages it all and is sick of managing 170ish units by herself, she hates delegating work so she is cleaning and doing to much labor).

(the seller is sick of dealing with RE agents and offered me half a typical RE commission).I have a great rapport with the seller and am happy to help them out, and wouldn't mind the extra cash.

Plus, an option plainly isn't ownership.