But consumers sued them all too many times and for too much money.

Where are getting that consumers pay three times as much in commissions as other developed countries?

Rather than use credit score as a criteria, I reject for consumer accounts in collections and unpaid civil judgments.

When you’re flexible on the terms, you can often create a deal that satisfies both parties.Create a Sense of UrgencyIf you want the seller to move quickly, create urgency in a respectful way.

However, expect greater transparency and heightened consumer awareness that has come out of media attention and NAR settlement to impact the listing component of seller agency as well.

Additionally , the coverage should satisfy my mortgage company where I don’t have to buy a separate landlord policy. what say you?

wouldn't bring this one to a partner or anything just satisfying my own desire to get a foothold in a place i like to be.  

Again, this is with commercial/investment property; owner occupied or consumer loans may have legal issues rendering this technique non applicable.  

Perhaps we "buy" the house from them for the $328K balance to satisfy the lender and don't need a large down payment and then have a separate contract with them to pay $x per month until we've paid the full $172K amount.

There are a lot of websites that offer the course online, or if you have a college near you, they also typically offer a class that satisfies the pre-licensing requirement.