@Tony Thomas  Points, discount or buy down are all the same thing, and that thing is simply pre-paid interest.

You should never use a debit card or pay for medical expenses from your HSA, ever!

Less bank accounts results in less check books, less debit card numbers, less account numbers that you have to track.best of luck.

I am assuming that even if you strucutred it with a higher purchase price (85% of value) and pre-paid rent it would potentially still be frowned upon.

In this case, would he actually need to pay any money for the down payment, or does it basically cancel out in the debit/credit line items?

In this scenario I would place that amount in escrow and have it auto-debit monthly until the funds were depleted.      

So if your interest payment is $1000 then the servicer automatically ACH debits your account that plus the servicing fee (assuming you set up automatic payments as @Christian Ehlers suggests).

Heck, you process debit cards if you insist for 1/10th the cost and non-reversible. 

The signing parties are "stopped" from saying anything different after they sign the letter.Each Tenant Estoppel Letter states the attached copy of the tenant lease is accurate and was signed by the tenant, there are no other written or verbal agreements, the tenant has paid rent through a certain date, and there is no prepaid rent other than the current month.

What about Debit Cards attached to a checking account?