However, if the borrower is paying on time, they would  have no motivation to do so because it would probably cost them more money than just accepting the payments.

Does the assignee assume all rights of the purchase agreement that you made with the original seller?

So you can change the down easily enough if you find they actually put more down.This doesn't tell the whole story but it generally answers your question.What is left out is that when going to selling, the owner ends up spending about 8% of the value of a home on real estate agent fees, & other closing costs.So, selling a home at $120,000 costs the seller about 8% or $9,600Keep in mind that 3 different appraisers will give 3 different values and they could be 15% higher or lower than the other guy.

Unfortunate for them, fortunate for me.May 7th I closed at $155k and with me paying sellers closing costs it put me at $158k.

Treat it like a motivation and not a barrier :)

Many people include delivering the house empty as part of their offer to the seller.

If the seller is only paying the Listing Agent 2.5% or 2% or less, this could affect the offer.If the seller is only offering buyer's agents 2.5% or 2%, even though the property may be the very best deal, many buyer agents will avoid showing them as they feel it does not pay them enough.Do any BP Investors, who are not realtors, use this strategy?  

Do not close a purchase and allow the owner stay in the housee as a renter even for a day.Don't try to save a seller in the week prior to the Tue auction!!   

We know that we still have so much more to learn but are extremely motivated to take the leap and purchase our first property within the next few months.Thank you so much in advance for taking the time to learn about and connect with us newbies ;).Cedrick and Maria

If you've just been on market a short number of days, counter the $215K  Offer & $5K Closing Costs paid by Seller, with $220K And agree to pay the $5K.