As a result, Realtors and the NAR are doing whatever they can to keep the cooperative commission system that doesn't ask the buyer to discuss and agree that their agent is worth 2.5% of the sales price.

It would definitely be fraud if this was the case, a recent post from an auctioneer talked about this exact situation, where they said the auctioneer was liable (different bedrooms/type of home example you don't have to read it) States would differ though and it doesn't seem black and white. https://mikebrandlyauctioneer.wordpress.com/2022/07/12/no-li...I do agree with you that it could very well lead to being burnt, however.

A tip is voluntary, so your tenant could agree up front, then refuse to pay.

Quote from @Russell Brazil: 100% agree.

Agree with @Ken M. - the juice isn't worth the squeeze to me on that type of loan product.

I agree with Dominic, I would price it according to the market and CHA will make the adjustments on their end.

Pay them an agreed upon amount and they break the lease and move out.

Not sure if that is legal but I agree.

@Scott Trench you and I don't always 100% agree on everything, but I think you nailed this one. 

The perceived value may be more, because you know an STR was run there and making money, but a lender wont value it more.While I agree a lender probably won’t value it more, an investor interested in running it as a STR will pay more.