@Greg Lovern It's whatever the parties agree to - and that's specified in the P&S.For a retail SFR buyer, I normally require that the home is delivered vacant and broom clean. 

I got 5.5% on our 20-unit MF purchase, 20-year amortization (normally 25% but because of the property age they wanted to go with a 20-yr), 80% LTV, 5-year fixed, 12-month interest only. 

CPAs normally will not do that.

Trying to BRRRR but a normal buy and hold would work too.

All they normally have to do is prove that they are not the ones that are servicing the loan anymore which would be similar to a rental property, however they should not say that it is a rental property.

Since the situation is different now, I'd suggest charging her your normal pet fee, and make everything non-refundable.   

I feel the market is gambling.

Other than by the normal means of IRA contributions, you may not personally add funds to the IRA.  

Find a new partner...people never change.Using leverage is the wise approach to building real estate investments and is the normal method.

As a normal definition, a broker is anyone who acts as an agent, bringing two parties together for any type of transaction and earns a fee for doing so.buydownUsually refers to a fixed rate mortgage where the interest rate is "bought down" for a temporary period, usually one to three years.