Purchase price: $125,000 Cash invested: $25,000 House hack.1st property.

Not necessarily looking for cash flow but wanting to break even at least. 

I would benefit because I would have a small cash flow of $300 and I would be paying down $1,000 per month towards the purchase price of $1.3 million.

This may hurt me in the algorithms, but it works for my cash flow,

Our agent wants us to counter much higher take a chunk down and carry $4MM @ 10% until the construction loan or a deadline we define ( should be quick ) What are the risks vs a cash offer? 

Thanks to private investors, this transaction required no upfront cash from us.

And then it won't appraise at the sale price and seller will have to come up with a lot more cash or cancel the contract.

I have a credit score of 750 and 15k in cash and was wondering how likely I am to be accepted for an HML.

A little under a 2% return if you buy it for cash.  

I have experienced cash flow anywhere from 10-18% with so much more to offer.