We have been working on a deal in my neighborhood for a while and we cannot come to an agreement, so any feedback would be appreciated:2 family house built in 1904, 2/1 on bottom and 1/1 on top.  

So, about a week and a half later, the listing agent told us that the INVESTOR (who apparently had to give final approval) was now saying that they could NOT accept $82K, and that they could accept $84K (since that was 80% of the listing price--I'm rounding off all numbers here btw), and that we had to agree to having no due diligence/inspection period. 

Big round numbers with lots of zeros beg to be countered.  

That'll take another $10-20k off your bottom line.

Ours was the shower valve connection behind the shower wall, the water seeped between the shower wall and behind the tub faucet area , and then and drained toward the toilet area, only when the shower head was used. it was hard to track .So might not be the toilet.. we thought that also was our first go round.. 

I mainly want the graduate degree so that I would understand the process top to bottom but is it overkill? 

Originally posted by @Doron Rice:This post will give you some solutions:  Solutions to getting gifts for downpaymentsThe bottom line: You haven't talked to enough lenders or thought thru enough scenarios to make the gift work.  

If so and the only difference between the two loans is the down payment and fee terms, I'd approach it like this:I have no idea what loan amount you're looking at but let's use $100,000 since it is a nice round number and helpful for easily calculating some numbers.With option 1, you pay 0% down but you are paying 2.75% in additional fees that you would not have with option 2.  

In fact I have heard rumors that prodding them along gets you sent to the bottom of the pile (I'm wondering if this post will!)

Bottom line - if its important enough you find a way to get it done.