The law states:"a landlord may require a prospective tenant to pay the landlord’s actual cost, up to $25"https://docs.legis.wisconsin.gov/document/statutes/704.085(1... states that the most a tenant may pay in Wisconsin is $25. 

Don't pay ANYONE or any company a dime outside of an appraisal until the deal funds.

The 70% rule helps investors determine the maximum price they should pay for a property.

As part of the deal, they are paying me to take some of the backyard.

@Ellis Moyewe really don't know a lot about this situation since there aren't many details in your post... but i don't think this makes any sense for anyone involved here...if it's a flip that's not selling, refinancing may not solve your problem and allow you to pay back the HML in fulland typically a sub to buyer wants a low interest rate... and if you refinance now you won't be getting a low interest rate, you'll just be getting whatever the market offers.and finally.... the vast majority of loans are NOT assumable. 

The long hours and dedication will pay off as you learn the ropes and prepare for your first investment.

Are buyers struggling to accept paying their agent as a new structure? 

@Naresh Yegireddi- This is above my pay grade but I was reading an article in the Wall Street Journal today about how the highest-earning 10% of Americans account for more than 50% of consumer spending. 

VA loans are the only loans that allow this, and there is no rate penalty for it no longer being your primary home.With that in mind, you could do a cash out refinance today at a higher rate than current market rates which will create profit on the loan, we can take that profit to pay for your closing costs.

Since you’ll be saving your own living expenses by living in one of the units as required by the VA (to the best of my knowledge.) pretend you are paying rent and it should make your numbers look much better.