@Opus 17 I saw your post, but do not necessarily agree with whom the relationships are in the OPs post and which property the OP is talking about. I appreciate you have an interpretation of the relationships, but my is different.
The OP really needs to re-write and clarify which property the tenant is living in, etc.
As I have been in the mortgage business, there is something 'fishy' that the buyer wants to obfuscate the true purpose of the seller credit. It's a red flag, esp. if this is the seller's tenant that is getting the $15,000 in which case the seller is party to that obfuscation. Laundered Money? Borrower fraud?
we can agree, as you also stated it, the OP should seek advice from the closing title agent or the closing lawyer.
