I am interested in both land purchases and actual houses/flats/etc., trying to explore what our next step is going to be.

Because of that its in the landlords interest to pay for that bill either by factoring it into the rent (if the bill is a flat see like garbage usually is), or possibly by billing it back when its based on usage like electricity and can vary a lot.

Many non-deposit mortgage lenders will charge just a flat fee to originate a loan. 

My sister in law pressed a 3 flat in cook county a year ago and the owner said all tenants paid on time and in full.

and now a days you can go with flat fee brokers.. 

Purchased a two flat to house hack in Berwyn in 2020. 3/2 top unit I (which I lived in) projected to rent for $1600.

I am still at the starting line with a flat tire, but I will get there.

Is it a flat fee, percentage?

I was either flat out declined or given terms that only worked for the lender. 

So ex in Calgary Beltline the 1 bed affordability requirement is $950/month.Sounds like the details of that program came out half bake, I spoke with a commercial mortgage broker yesterday that told me he expected the details to change as well but did not mention anything about 30% percentile of market rents.