first time Multi-units commercial loan - origination fee

[Michael Yan]

I am negotiating a multi-unit rental property in Baltimore. In agreement but after inspection I want to re-negotiate. Total loan amount is about $800k depending on re-negotiation result. 

Just talked to a loan officer, and noticed I need to pay 1% origination fee to start the loan process. Is that typical?  That's $8k hard earned bucks! Are there cheaper options?

Also, what if I pay the fee and in the end they find out some key issues that prevent loan from moving forward. Will I lose this amount?

This is my first time doing commercial loan. Any suggest would be greatly appreciated.