HOA pre-payment at closing

[Michael J Scanlon]

Am I able to negotiate that the seller pre-pays a year or two of HOA fees, even if the equal amount is added to the mortgage?

I am using an fha to house hack and would like to maximize cash flow while I live there. $4800 over 2 years is $200/month but $4800 extra on the loan at 3.25% is significantly less per month.

Anyone have any creative ways to do this? I’ve been told by my lender that it can’t come out of my closing cost credit.