On a more serious note, best of luck with the hunt. I have just started mine and it is a lot of work but exciting too.
You're proper fucked then. Offer them 95% and even pay full price if you have to.
10 years from now when the property is worth $3m you wont give a fuck whether you paid $750K or $790K. Besides $40K over 30 years at 6% is about $200 a month so your mortgage will be $5200 instead of $5000 !!!
You will regret sticking to your guns on this one.