If you need financial help, ask under the "Finance, Tax, and Legal" forum.

I don't think he would allow someone that had to put the fee on a credit card.

Will bank credit still be around (at what terms)?

Hard to give good advice without more info, but since You are single no kids it's hard to beat buying a single family fixer upper and living in it for two years and then selling for tax free profits....I'm a big fan of Waltham these days $.02 

Here are some key elements to include:Lease Agreements: Ensure your contracts reflect the latest laws, such as notice periods for entry or rules around security deposits.Fair Housing Compliance: Familiarize yourself with federal, state, and local fair housing laws to avoid discriminatory practices.Property Standards: Regularly inspect your properties to ensure they meet safety and habitability standards.Tax Documentation: Keep accurate records to comply with tax reporting requirements.4.

It's almost like they tack on a few hundred dollars to the order and forget to charge sales tax

Other than paying for an appraisal or BPO (and maybe a credit report), you should not pay a lender anything until your loan funds.

Bank Credit Line How did you add value to the deal?

I’m sure you won’t be verbally assaulted about how greedy you are Basically they were gifted $60-$120k tax free. 

As long as the rents can cover both the current PITI and proposed P&I payment, credit is at least 680. you should be able to qualify.