Home Inspection, Pre-paid interest, Pre-paid or escrowed taxes and insurance, closing attorney fees, title insurance.For a fourplex I think the closing cost would be very similar to a SFHHere is a sample HUD for an example of some of the cost.If you budget ~$8,000 in closing cost I feel that would be safe.

If rates drop before that time period you can keep that unused money as it was essentially pre paid interest payments sitting in an escrow account waiting to be dispersed.

Expect to pay about $5k or so in lender fees plus your title fees, prepaids and escrows.

If you don't have a two-year work history, then you'd need to use your schooling and any internships that you might have had to fill a two year period in a way that would be acceptable for a lender.Regarding closing costs in Florida, there generally 5 distinct types of closing costs:1) Taxes (transfer taxes imposed by state, and taxes to record information)2) Insurance (1 year prepaid upfront, plus 3 months of escrows)3) Inspections (Survey, Appraisal ect.)4) Title Costs (Florida generally uses Title companies to close, and they handle all paperwork to transfer title and insure your TItle)5) Origination Fees (only charged by certain lenders to increase profit)Frankly, 6% is extremely high for closing costs in the state of Florida. 3% is a good rule of thumb when calculating closing costs on most conventional loans.

Do you call it "prepaid rent"? 

And if you do decide to let it go back to the lender, who likely is a crook in on the buy/lend for more than its worth scam and you want to earn some of your money back, consider doing a prepaid lease for your tenants. 

We should encourage major medical insurance not pre-paid medical care where you're covered from the 1st dollar of cost.

The binder is pre-paid rent and the binder holder brings the security deposit on the day of lease signing.

The only other down at closing would be any pre-paid taxes/insurance that we account for in our monthly expense breakdown. 

@Jonathan R McLaughlin Great points - if the residents left prior to the expiration of their lease and pre-paid I still worry about paying their gas bill in the middle of winter in cold Ohio to prevent frozen pipes.