Question regarding Commercial Loans

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I have spent some time researching the types of deals I would like to to on BP. As all newbies go I guess our initial post goes something like this.

"Hi I'm new to investing really want to get started" we then receive responses that ask what we're interested in dealing in and what our long term goals are in which us newbies respond we want to wholesale and do some flips and move on to bigger and better.

Well during my initial posts I stated pretty much the same as mentioned above but after much research and deliberation I have decided that I would like to focus my market on MF and Apartments. With that being said I have started researching Commercial Hard Money Loans and Private lending sources.

I have a question regarding what many of the websites say; the statement "all commitment fees are paid at closing from the loan proceeds. " My question does this mean that the points being charged for the loan will be used from LTV loan at close?