When it became apparent that we both shared a similar lifestyle philosophy, and were going to be earning roughly the same for the foreseeable future, and wanted to buy a home and raise a family together we decided it was time to go all in and combine our accounts and its been that way for about ten years.

SELLER CONCESSIONSSeller concessions include, but are not limited to, the following:Payment of the buyer’s VA funding feePrepayment of the buyer’s property taxes and insuranceGifts such as a television set or microwave ovenPayment of extra points to provide permanent interest rate buydownsProvision of escrowed funds to provide temporary interest rate buydowns,Payoff of credit balances or judgments on behalf of the buyerSeller concessions do not include payment of the buyer’s closing costs or payment of points as appropriate to the market.Any seller concession or combination of concessions which exceeds 4% of the established reasonable value of the property is considered excessive, and unacceptable for VA guaranteed loans. 

Is an effect counter argument that the down payment is small but I'm paying you an extra $150,000 more then anyone else, not to mention the interest you make on the $550,000 for the 5 years?

I'm a Doctor of Physical Therapy who realized that trading my time for money is never going to earn me freedom (and not even come close to paying off my student debt).I've recently opened my own Cryotherapy Clinic and it is my first true business asset.

Earnings?

If you are making HUD offers from out of the area there are a few extra steps that need to be taken to submit offers and tender a closing.

How much is fix up with an extra 20% fudge factor for problems that will occur? 

I"m earning less than 50 basis points on my savings accounts and most banks are paying less than 2% on longer-term CDs from what I've seen.

If the Seller wants to try the rent-to-buy scenario, he could also put that idea to his existing tenants as incentive for them to pay him extra per month?

Rather than insist that everyone has to earn less for your sake, you adjust your budget accordingly.