I advise clients to do the same when they are starting out so they don't get this feeling of FOMO for deals they aren't doing

I would disagree with number 2 - in this environment, heavy rate buydowns are a common tool in the toolkit for lenders and borrowers to make deals work and are in no way indicative of "not being well-capitalized"That’s a fair point in regards to doing a buy down, we see that quite often but we roll the buy down into the loan so those aren’t paid at closing, thus not costing the borrower funds out of pocket at the time of purchase or refinance. 

It’s priced below value, but people aren’t fond of the area, low walkability score, near a bus stop, etc.I’m nearing the end of a hard money loan and I’m wondering if it’s possible to do a cash out refinance on a HARD MONEY loan.

Auction.com has many, but not all of them *and they aren't up to date with postponements and cancellations, either!

It is amazing to have a place to supplement that space so you aren’t so hard pressed to get another property when the numbers aren’t right. 

If I end up selling it for 100,000 cows, you aren’t going to be upset with me are you?  

Some are free, others aren't.

You aren't doing BRRRR if you are living in the property in KC.

People aren't stupid and sooner or later someone will figure out what is going on and you will end up in court.

However, if these aren’t itemized clearly, it’s worth asking for an explanation from your lender to make sure you’re getting the full benefit of the assistance.Your lender mentioned the title fees are conservative, which means they might come down closer to closing.