Requiring Estoppel Cert even if lender doesn't require?

[Jason Lee]

I am putting in an offer for a 5plex multi-family residence and the sellers P&L statement for the previous year shows 100% occupancy. I requested that my broker ask for an Estoppel Certificate be attached to the purchase contract. He says that if required by the lender, they will generate the request of the seller. I want this certificate on top of the copies of all leases for my piece of mind. 

Would like to know what those with experienced in this area would recommend. Thank you

[Joel Owens]

It's your money. Either the seller will comply or they will not for the request.

A 5-plex is a waste. If you are going to do that just get  a 4 plex with long term low-fixed debt for 30 years with 20% down.

A 5 is above getting a good loan on and too small for the better commercial loans.