As long as this is the only hair on your file to purchase the primary residence a bank should fund your deal.  

Welcome @Clint Jones --  from a fellow Southern transplant (moved here 3 years ago from South Carolina).

No - maybe a hair less to make it stand out, but you wouldn't leave money on the table just because you've perfected your business.Consider also that money shouldn't be your only concern - time and quality are important too.

The Behr  khaki might have been a hair darker than the spec home walls, but the other two looked dead on.  

well assuming it meets the QM rules for owner occ.. etc.the scenario you presented is not a very attractive note unless the discount was HUGEPV is what investor look at.... what rate of return they want and in notes its usually 8 to 12% APR but with 100% leverage most investors will only pay on face value about 60 to 70% LTV ... so right off the top you would be taking a substantial hair cut.No secret what your trying to do.. but I surmise you will very quickly realize its not realistic .. the discount would be such that it makes it a no go.If your thinking someone will lock up their money for 10 years at 5% well thats not going to happen especially at 100% LTV... 

For specialized items I've used Postmates to deliver things so I don't have to make the trek such as a mini-fridge, coffee-maker and hair dryer on separate occasions - all from Target.  

Demand is high, will be for some time due to so many out of state transplants and Mary Jane legalization along with limited house building for many years. 

This deal has more hair on it than just QCD:original owners were foreclosed upon by Fanny Mae;then the property was transferred or sold by Fanny to this bank;the bank has been sitting on it for 4 years and finally decides to sell, butin addition to QCD they want cash only (not even hard money);10% earnest money deposit - I have no problem with it if I can get it back in case the deal does not work out - but they allow forno option period and no contingencies of any kind!

I've read a million threads where people hint at appreciation and everyone's hair spontaneously combusts and a lot of people start freaking out about not betting on appreciation and invest for cash flow.

Look for Dan's red hair and freckles...