Buying A 4-Plex That Isnt On The Market.... HELP!

[Cole Johnson]

Hey BP!

I am a newbie Investor looking to house hack. I have looked at pretty much every 4 plex/duplex in my market. I have a good understanding on all the comps for them in my market. I have also put offers on two of the four plexes and just got beat out.  For the past 3-4 months every one I have talked to I bring up im trying to buy a 4 plex. Well recently that payed off. I had someone call me and ask if I wanted to buy there 4 plex. Sounds Great! 

I have a few questions on how this will work though.

1. Will the seller have to pay any commission to a real estate agent if he sells to me without listing?

If he dosent can I offer less and explain this as a reason?

2. I have been working with an agent who has been really helpful in showing me properties/ put together offers, would it be rude to go around him?

3.  Will it still work the same for the bank im pre-approved for if I buy directly from seller?

If you have any other first time buying direct from seller tips, I would greatly appreciate them.

Thanks so much!