@Quincy Knighten,I'm in the same boat as you (full-time job, married, father) and I just want to say, you are doing yourself a huge favor by participating on this site.  

The impound account to be transferred: charged, or without charge, to Optionee.9.4 Take title subject to, or Assume, an existing second trust deed note held by _______________________,with an unpaid principal balance of $_______________, payable $_______________ monthly,including interest not exceeding ______%, ARM, type _____________________________,due _____________, 20______.9.5 A note for the balance of the purchase price in the amount of $_______________ to be executed byOptionee in favor of Optionor and secured by a trust deed on the property junior to the above referencedfinancing, payable $_______________ monthly, or more, beginning one month after closing, includinginterest at ______% per annum from closing, due ____________ years after closing.a.

Break even calculation almost always works out in your favor in such cases.

I offered the buyer a lease to own with a contract very in his favor paying above market rent, but he doesn’t want to do it.We’re staying at my mom’s house in the suburbs.

A long stable indicator would be an appropriate ratio favoring local public sector due to local government's strict adherence to labor wages.

The favorable thing abut contributing to a traditional IRA is that the contributions (maximum of $5,500 for tax year 2016) will reduce your taxable income for the year.

Locations like the one you describe tend to be favored by that camp.

High RE prices in SoCal work in your favor as an agent; same effort, bigger commission checks.

I have a bunch of equity in my home and found a place that will do a HE Loan of 125% of the LTV (https://www.sdfcu.org/home-equity-loans), but the rates and terms are less favorable than most traditional HELOC's.  

I will not comment on the lawyer letter thing, as I pretty flagrantly ignore and disregard lawyers on anything that is a timing issue in favor of what our in-house compliance people say.