You should absolutely pay.Realtors have a large variety of responsibilities and motives, and the good ones will provide a lot of GREAT service for you, but this is quite the stretch.

Or can it be either, as long as I specify how it is used in th the contractsAlso, if instead of saying rental credits, I present it as a seller’s concession, would that ever be considered as a financing agreement?

Found a business with a lot of upside potential but seller wanted way more than what was reasonable.

Banks would require financials on you - not the seller.

I'm excited and motivated to give it a go though.

I am extremely motivated and focused and should have it payed of by end of summer and have my credit score up.....I really want to get into own house but know getting rid of that debt would get me a better loan and free up cash and make me a lot more stable in my first home.

Below is what we had offered already.1. 170,300 offer price (Sellers previous counter was at 178k)2.

I would not say anything in the letter about seeking seller financing.

If available you submit your bid price according to the pricing guidance provided by the note seller, eg. it can be 50% of UPB but you may submit a little less than that, i usually do. 

Seller listed two 4-plex units as an 8-plex and is selling as such.