I am getting to the point of wanting to back out due to the 27k combined Closing costs, not including down payment. seems like a I should look into finding a new loan officer.

There are strategies that can be combined (i.e.

We pay W/S because they are combined. 

This region offers attractive home prices in the $100K–$200K range, combined with rental yields that often exceed the 1% rule.

Combined rent $1950.

The equity in my primary and other properties, combined with my income, provides the flexibility to borrow as needed—and I only pay interest on what I actually use.

The combination of generating extra green cash with a biz and then investing in real estate for long term weath is the way to do it.

This is why so many people earn large sums of money quickly (lottery, sports, entertainment, etc.) and end up broke.Take Dave Ramsey's Financial Peace University.

The breakdown is as follows:2 bed / 1 bath1 bed / 1 bath1 bed (studio) / 1 bathThe property was previously rented out for a combined total of $3,400 per month.

Personally, and what I would do for my clients, I would connect with a local community banker to discuss the property and see if their bank would entertain this type of financing (not all banks like doing this type of deal).