OK, here's the latest. 1) The other buyer is willing to put 20% down (i.e., take a 80% loan) and put a 5% earnest-money deposit with the Purchase and Sale Agreement. 2) This buyer told me the best he'd be able to do is a 3% earnest-money deposit with the PSA, but keep the 97% loan. He also suggested that I might be able to convince the other buyer to be on a "waiting list" in case the deal with this buyer falls through. (I'm very dubious about that particular idea.) So, really, the question is whether I go with the rich, financially stable guy or whether I go with the less rich guy. What is your vote?