This is NOT a closing cost, this is simply a pro-ration item that reflects the fact that property taxes are paid only sporadically in advance or in arrears.

A Mortgagee can't expect a rational borrower to simply accept an increase in interest rate for no apparent benefit.

I hope to have my ideas pushed and prodded like you just did until they are refined into some semblance of rationality and a great first idea.

I've been toying with this idea recently, but do not currently have enough leads coming in to rationalize hiring a full time VA yet.

I think more communication is always better than less, most people are rational and want to do the right thing.

It sucks because we all know why we went to one of those stupid hotel auditoriums but never think about what's rational.1) These cheesy people tell us the same spiel as the info commercials that were on 25 years ago.

In general, fees for a cash transaction should get broken down as:Title Search/InsuranceAttorney/Title Closing FeesPro-Rations of Taxes/UtilitesJunk Fees#1 is generally pretty consistent per state

I've honestly had difficulty finding "rational" pricing on multis in Louisville.

I would think that would push my debt to income ration way high and they would not approve me (through traditional loan methods anyhow).

You have closing costs including:Title Search/InsuranceAttorney/Title Closing FeesPro-Rations of Taxes/UtilitesJunk FeesThe costs of transferring utilities, cost of home-owners insurance and other miscellaneous expenses.