DSCR loans will be structured off the rent versus expenses on the property and don't consider your personal income or DTI.

@Chris Seveney We havent asked this question yet, How would we structure this?

The property was finally sold to a developer who built a 3-story structure housing 6 condos that sold for half a million each.Getting variances is quite time consuming in our area and I attended quite a few community board meetings which one has to attend before going to a zoning board meeting.

Rates/pricing has to play a part of course, BUT knowledge and responsiveness is actually more important. and to answer your second question, well, look at my last sentence for the answer. 

Oddly enough in this document they define multi-family as: “ "MULTI-FAMILY" means a structure containing three or more dwelling units or a bed and breakfast dwelling that has six or more guest rooms. 

So how should a buyer then structure his offer to stipulate that the seller must reimburse the buyer for that commission?

There are less foreign national programs but I know of at least one foreign national program that structures the loan this way. 

Make sure you understand how the property ownership is structured there.

I’ve never used private money and was wondering how I could structure it? 

I'm sorry you're going through this, but take it as an opportunity to step back and create some structure around what you are doing OR hire a PM who has those in place and will protect you from frivilous lawsuits.