If the lender says the property isn’t worth the negotiated price then the buyer might aught to exercise caution.

Morning quiet time with a cup of joe, read, exercise, travel, time with my wife take priority. 

So I gently proposed some seller financing.

For various reasons, I'm eager for them to just exercise and buy the house.

This is usually only exercised in cases where they can not legally sell the property due to foreclosure process errors. 

Here in Colorado, I pay the following:$279 for a 432 unit community that has a pool, a clubhouse, an exercise room and pool tables, landscaping and a shared water bill$305 for a 183 unit community with no pool, but has landscaping and a playground$338 for a 120 unit community with a pool, a clubhouse and landscaping.Your mileage may vary, but your HOA dues seem reasonable(ish) to me.

It's a one time payment that guarantees that only you can buy it, and it locks the price in, and...there are no monthly payments (or income) until you exercise your Option to Buy.

We still do spontaneous giving as well, but just like planning a weekly exercise routine keeps our muscles strong and growing, I think having a plan for giving keeps our generosity attitude and practices strong and growing.What has your experience been with giving and generosity?

While this may an interesting mental exercise to go through, my opinion is this would be a foolish thing to actually do. 

Even if my offer isn't accepted or things don't work out for other reasons it's been a good exercise, as a newbie, trying to assess the costs and potential returns of the two different options.