Jefferson I think it is more a matter of your lack of negotiation that is hurting you. We all loved getting $3k tax returns as down payments but the reality for most of us is that this was the exception and not the norm.
I suggest you negotiate a little more and get as much as they can reasonably afford. Stick with Lonnie’s dialogue closely. “How much can you afford to put down” and “If it’s reasonable, I think I can work with you” type responses.
Here is on technique I learned from a mobile home retail dealer.
When a buyer really kept at him about how much the down payment was he would finally respond with something like:
“Well the last buyer put down $6,000…would that work for you?”
They would always so no, but they often said, “the most I can afford is $3k.” Truth be told the dealer would have been quite happy with $2k.
Don’t post your down payment requirement if it is not working. If you are overwhelmed with repsonses the post it.
Tweak the dealer’s response to fit you as needed. Perhaps, “well some buyers have used their entire tax return” or “some buyers have put down $6k” (use this if for example you may not have had a buyer do so but many here have so you are using what I call “salesman truth” which is somewhat akin to political truth I guess.
Work it however you need to put you back into the calls and back into the driver’s seat when it comes to negotiation.
Don’t lock yourself out of a market by writing fixed terms into a Lonnie deal. That is the entire premise of Lonnie deals.