@grantcardone
If I was a home buyer today this would be my strategy:
Find the best location in my market and make a list of all buyer who either (a) have no mortgage or (b) who have sub 4% interest rates. I would then make an offers on multiple houses with those that qualify. On homes paid for I would ask the seller to finance for 36 months at 5% and for scenario b) anyone with a sub 4% you should simply assume the debt. Quit worrying about price worry about terms.