“before you do any, make sure you .......” wear flats instead of heels to look at properties.

@Frank Ma - Age, condition and mechanical details of the building and what that means for differed and future maintenance:  flat roofs, central chiller, age and condition of ac units, etc.What is the unit mix and is it appropriate for the area?

Other lenders may require a flat principal payment (say $100) plus interest. 

I'd like to hear other opinions on this...I'm debating if I should cash in on my 3 flat in downtown Wheaton, IL.  

As far as my tax bracket, I will probably gross around $80,000-$85,000 this year, but I do have a company 401k(traditional) with match that I contribute to, only 5% for the match and then an extra $5,000 flat for dependent care and another $1,000 towards an HSA.

Not because they are "flat". 

Very helpful - thank you @Craig Curelop and @Chris MasonIt looks like the lenders are baking taxes and insurance into the closing costs - as "prepaid items / reserves" - which amount to around $2000.The actual "closing costs" themselves amount to $5500 for a loan with 1 point - which includes title fees, state tax, processing, underwriting, appraisal fees, etc.Sounds like it can't hurt to do a bit more shopping but I definitely feel better that these costs are more in line with what's to be expected.

Flat out tell them you aren't the buyer.

In my small multis I cover the cost and just bake it into the rent.

Ended the call with polite but flat refusal to return rent.Anyway, wanted to know others would handle it, what steps should be taken now, and how to avoid issue in future.