Looks like marcite but it is hard to tell from the photo. 

But I do have $33,000 in a legacy rollover IRA that a certified financial planner invests for me, and I will tell you that I think of that money as peanuts when it comes to retirement income, as any reasonable person should.All the people I am still in touch with from high school and college have, at best, two nice cars, a nice home, a stack of monthly bills a mile high, family photos take by professionals, and money saved up in a 401K.

I, as a vendor, wouldn't accept such terms, but then I know that there are some vendors out there who might not catch that if they didn't take the offer to the lawyer.  

We will offer to take the property off there hands by catching up on their late payments, offering them a percentage based off of the amount of equity minus repairs in the home, and allowing a 30 to 60 day period to move.

After we found out I asked the seller for a $4K credit which could cover the HOA for about 5 yrs but I don't believe the equity increase will catch up.   

You will catch on quickly.

The buyer never notifies us.I catch wind of it 40 days after the mortgage contingency expires. 

That said, I heard an interesting thing on BiggerPockets Money Podcast the other day, and that is it might be riskier NOT to have an account like Mint, as with Mint, you'll have a one-shot access to all the accounts, and you are more likely to check more often and catch suspicious activities, while if you have to go to multiple websites, you are less likely to check that often and may take longer to find out suspicious activities. 

I have a unique opportunity to live in the in-law apartment of a beautiful colonial house, for free, for 24-30 months.The 'catch,' however, is that I need to 'buy' the house, at a price that is 20% below market value.

A third option could be a stacked retaining wall similar to this photo.