The costs are-$1740 origination charges-$650 appraisal fee-$65 credit report-$150 title endorsement fee-$695 title escrow fee-$450 lenders title insurance-$50 title messenger fee-$300 title notary fee-$50 title wire-$425 recording fees & taxes-$933 prepaids (insurance, property taxes, interest)-$1043 homeowners insurance-$1792 property taxesTOTAL CLOSING COSTS: $8,343

The new loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points"... 

Mandatory direct debits for rent - won't stop the overdraft return of funds, but will stop the people who tend to forget (by that I mean prioritize other things). 2.

A few k were pre-paid taxes, insurance, interest, etc I'm sure, but that's a lot.   

Pre-paid like taxes/insurance/interest?   

If he has equity in the home the tax due should be taken off as a debit on the day of closing. 

However, I am happy to report that the $10k they debited from my account a couple weeks ago for a deal which is now dead, they credited back into my bank account yesterday. 

You do need a copy of the current Rental Agreement and all addendums; a current Rent Roll or Delinquency report showing payment status, name and contact number/email for all Tenants; Security Deposit balances for each Tenant and instructions to transfer them to you at closing, along with any pro-rated, pre-paid Rents; and an estoppel agreement signed by Seller and Tenant confirming the key terms of the Rental Agreement.

Run my debit card and have them email me a receipt.

Typically you will see, origination fees, processing, underwriting, taxes, credit, prepaids, and title/escrow fees.