You can work for a bank that provides the majority of your leads with the in-house customer base.

The seller is willing to carry a note for the 5% and accept monthly payments until it’s paid off.

Hey there -- if you have any questions, my background is in real estate investment banking, REITs and equities trading.Cheers!

Speak with the owner, and see if he/she would be willing to do a rent-to-own or just act as the bank until you can acquire a loan.

They're best use to baby sit offers once they get accepted....and push them through

If you have 50k in consumer debt, a bank is usually going to look at the total amount and use ~3-4% of the total as measurable debt service. 

This issue came up because I actually may have a pre-buyer for the house (although I'm not banking on it). 

When they decide to pay you $90,000, then take it (assuming that's acceptable to you).

@Jonathan Cox the way i see it, and i may be crazy, is if your banking on a retirement account to save you when your 60 yrs old, you wasted a whole lot of your life away working for something that won't support you in the end.

I accepted their offer for $205,000 all cash now.