The difference in equity is a lot to you, but depending on how the capital structure of the lender looks, it's just not worth the extra work to maximize this deal.That said, why bother using commercial at all?

I have saved up enough capital for my first deal and I am working a full-time job.

We have funding available but also we like WLW Capital they are local and the source of money not a front man and they can usually fund in 2 days or so.

Best way to raise capital is private money but you need to develop a relationship first and show them deals that you partnered with your parents with.I wish I had started at your age.

My concern would be if you are new to flipping that you may under estimate expenses and that thin margin could turn into a loss. 

JD Martin you are right, my guess is they are only out a couple of thousand dollars between EMD and other fees, but for newbies who are just dipping in, the loss is a burn.

First time I tried it, I put my own capital in to fix up house to be reimbursed from seller. 

This means you have 50k of capital gains built into your property. 

If you are a licensed real estate agent and end up selling your own property, do you still get to write-off the real estate commission against your profit/loss on the sale?  

As for the property not selling, unless there is some legal reason you can not sell you need to sell know even if it is at a loss.