We look at it like a potential buyer, not an investor who sometimes banks on the property selling toward the range of the higher comps.We don't "send you how to books and tapes" We have a trained staff to help you work on your business- a deal desk that you can call to review any property you have under contract, a compliance team to review risk factors, construction project managers that will vet your contractor bids - in addition to the resources that help you learn THIS SPECIFIC way of evaluating deals- finding the types of properties that do qualify for low or no cash to close.

I know that in sub-to deals, the seller holds the loan in their name while the buyer name goes on the deed and they make the monthly payments and should the buyer default on a payment, the deed returns back to the seller.

@James Wise thank you for you insightful post.

I run into this about once a month with clients.This is usually how it goes,I tell the client it will cost $20k for the property if it was updated, but $30k-$35k with those panels.Buyer goes back to the seller and states they need to renegotiate.Seller doesn't believe and says "talk to my insurance company as they are charging less than that"Buyer calls sellers insurance agent and the agent states "yeah, this is a grandfathered policy and we if have to issue a new policy for a new owner, it will be about $35k"Seller then either cancels deal or negotiates down.As @Matt Popilek states, if the seller has multiple options, it will be more challenging to get them to adjust down.Good luck with it.

Normally the way seller concessions work is that it’s just a dollar amount from the seller to the buyer at closing.

You have the deal under contract but need to find a buyer?

@Gary F. it really depends on the location of the property and what buyers are doing in the area. 

If the actual amount is 3%, guess what, you made more cash that year.You would be wise to stay conservative when analyzing these deals.  

According to the realtor, this transaction has been approved by the hard money lender and title company already.I have set a firm price at $100k, which is a good deal for the buyer, but I'd like the quick sale.Here comes the sketchy part: They would like me to accept payment of $125k with $25k being commission for the realtor, which the realtor is then going to use to pay the down payment. 

For the Average buyer this would have been disaster.. we simply built a new construction on it and did OK.. but this full blown rehab can be a real challenge for many .. its one thing to replace kitchen baths paint carpet roof.but when it comes to structural or these really old houses you get from Charleston north into New England.. etc its far more complicated and risky.