I normally have them sign the Information About Brokerage Services if we meet up and ALWAYS have them sign the IABS and a non representation agreement if we agree on a price and I get the house under contract.

New Mac's normally come with a 60 day trial of office and after that you end up having to pay anyways, so it would only be a temporary solution.

It takes a few weeks longer than normal, if you really stay on top of it and get the paperwork done as quickly as possible.  

Is this normal?

To be a normal lender?

When you say 75K invested do you mean that is what you have paid for any rehab, repair and normal wear and tear on a property that you own or do you own the house free and clear?

It's more of a cultural thing than a normal cleanliness thing, guess.Getting to know and network with a REI Investor would be a bonus, but obviously not required.  

How is that normally different from traditional financing?

Normally I pay above market rates when I purchase a new rental property due to the number of loans I have. 

I would pay normal the 3%.