The only other option I see is cashing out the 403b and paying income tax and 10% early withdrawal fee (I’ m 32).

However, the one constant in these emails is a request for the broker fee co-op and determining the offered co-op fee seems to be the motivation behind these emails.

Lol.....Maybe I should develop a business model that installs them...for a slight additional fee. 

You will not see $1.3M you will only clear the difference of that 25% ($325K) minus taxes, Seller/Buyer fee's, attorney fee's might leave you with $180k amount split 2 ways so $90K each.You could take out a Heloc and pay him to walk away from the home so you can turn it into your home plus rental.

I once paid a $53,000 assignment fee; I can say, it was extremely upset when I got to the closing table, but even with that $53,000 assignment fee, I will still buying at at .40 on the dollar.

Is there a limit on what you can charge as an application fee?  

Look for loans with lower prepayment fees if you refinance or sell early.On an 8plex, a local / regional bank or credit union may have favorable terms with rates, term and fees.  

I offer them with an additional fee and lease addendum. 

It may be less expensive going this route than paying a high rate, high fee hard money lender that could possibly do it. 

Also one with low fees, and preferably not cloud based or revenue share based, any recommendations are greatly appreciated, thank you!