A quick Google search of actual market data does not support that at all.

She wants to buy me out of my share of the house, which I fully support.

I'd say first, figure out what kind of investing you're into and make sure that the market you choose supports it. 

That's super cool to be able to witness and support such a milestone. 

Regulation Z does not apply to most commercial loans, and you do not have the same consumer protections as you would from a residential loan.

This negative position can consume years of cash flow to recover.

Lenders might also require a history of rental income on the property or at least a market rent analysis to support the numbers.Given that you’re also looking for down payment assistance, which typically comes with its own set of lender requirements, your options might be a bit more limited.

Investors are building LIHTC, and other affordable projects in these areas, but new multifamily can not today be built to support the rents that a D area has. 

The agreement should last 4-5 days.If I don't like that home, and I think I want to engage a buyer agent for more in depth services over a longer period of time, then I will entertain other buyer representation agreements, but I will not agree to over 2%, which is the maximum recommended by the Consumer Federation of America.To be fair, if my needs required my buyer agent to show me 30+ homes, or preview them since I am out of town, or something else that took an extraordinary amount of the agent's time, I would consider more than 2%.

While losing the 2.5% interest rate is tough, prioritizing a business structure that supports long-term growth might outweigh that loss.