FHA 2nd appraisal...who pays for it?

[Chad Bauer]

As most investors know about the FHA 90 day flip rule then you know about the 2nd appraisal stip as well. Per FHA guidelines the buyer can't pay for this...but in my case the last 3 lenders that I've dealt with have pushed the cost on me like that is the only option. Is this correct or can I make them pay for it because afterall the guideline just says the BUYER can't pay for it?