Since i had capital and had access to my commercial banks for the best rates possible on vertical and horizontal loans..

I see big price range with these (from $200 to over $4k) and wanted to know if you can get a decent one without breaking the bank.

If your using financing the bank requires this.

I refinanced it into a  5% 30-year mortgage with a local bank as the seller would only carry the loan for a year.

Pricing in DFW probably means you wont live rent free,and will have to pay your fair share of normal rent, but you also get 3 more people contributing to your loan paydown and you get to keep the appreciation.Buy hey...maybe I'm wrong....go talk to a local bank or credit union near where you live and get a term sheet from them for financing. 

I may be misunderstanding your question.In an "assumption" (it's an actual banking term with a definition) the bank takes you though the same hoops as if it's a new loan.

These penalties include:Five years in prisonUp to $500,000 in finesEquity Skimming may also result in Conspiracy charges, specifically conspiracy to commit bank fraud and false statements to influence a financial institution.

NOT the bank's own money.  

I am attaching the contract with highlighted section about this.   

Hey Daniel, you can use a platform like Avail that will give you all the info you need to know like:-Credit score- criminal record-eviction historyYou will also need to gather their:SSNIDPaystubs and 3 months bank statementsat least 2 past landlord references.If all the above check out, you likely have a great tenant.