In your shoes, I'd probably counter to split that cost or something like that 

If you were in my shoes how would you find the money to get these two investment properties.

San Antonio seems like a shoe-in.

It is amazing what you learn with a stroll by. 

If I were in your shoes I would request a preliminary settlement statement showing all actual lender fees. 

They become subrogated (steps into their insured's shoes with the ability to enforce their rights). 

If i was in your shoes I would do some secret shopping on a couple l new local condo projects. 

Put yourself in the shoes of the seller who is willing to offer seller financing or perhaps enter into a sub-to transaction which are  two commonly contemplated creative ways to structure transactions on BP.

Here's exactly what I'd do in your shoes: 1) Build a solid team -- Agent, PM, Contractor, Handyman, Lender (all local pros)2) Invest in a Turnkey Duplex or SFR just to get your foot in the door and learn the area3) Then, with money left over Invest in a BRRRR and recycle that money indefinitely as assets appreciate / force appreciate4) Acquire a large fleet of Indianapolis rentals as the city continues to expand. 

If you were in their shoes, why would they want to work with you?