Of the last 3 we bought 2 of them we found from approaching the owners directly, we saved ourselves allot of money by going directly to the title company and cutting out the realtor. 

That doesn't cut it for me.

@Ricky Knack Well, Someone is responsible for it.....typically your purchase price is enough to pay off All outstanding debts, and they simply paid from the seller’s proceeds at closing.  

It was simply a condition we thought we would request to see if the seller was amenable to.

He also began to explain, that, the laws state, you can “ KILL “ someone for simply talking crap and threatening you.

I also figure that, by cutting some of the monthly debt payments, I should be able to use that money to pay off the $10k quicker and then accumulate savings faster than the previous time.

Private lenders (institutional) wil underwrite to the property's income or, if the is an issue, there are a growing number (still only a few) that can offer long term loans simply based on the asset and LTV.

Finally, I ask if she has any questions while being sensitive to the fact that she won't feel like her questions are simply objections I will attempt to overcome like a salesman.

Been living in my first condo for 1.5 years now and it took them 5 months to repair a garage that had an Oak tree completey fall through it, 1 year+ to cut down 2 small dead trees (after they approved the work, months later they said it wasn't approved...then surprise, they ended up doing it after the Oak tree fell down lol), received a 3 year special assessment to replace roof and siding (why wasn't that previously budgeted for?)

They've gone through multiple rounds of small price cuts.