Plus, investors have to either prove income with leases, or a rental market survey that gets a 25% or more cut for a vacancy allowance.

Most charge a 10,000 minimum or 10% of the loan balance whichever is greater paid at closing.Lender site inspection, buyer building inspection, environmental phase one, ALTA level one survey, appraisal, etc. all in can be about another 10,000Lender legal fees for banks attorney to draft and negotiate the loan docs with the buyers attorney ( generally about 3,000 to 5,000).Transfer taxes and recording fees.

Closed today sold for 612Paid 325 for house9k closing costs, including survey and inspection fees.  

Fair marker rent from HUD point of view is just an encapsulated survey of realtors and other industry people of what an average place of x size will rent for.

I think your idea about re-surveying and splitting is brilliant, I wasn't even aware you could do that. 

That is definitely the starting point. 1 year Home warranty and survey are next.

It is their responsibility to survey the neighborhood and do their homework on the property and area .

(That was my paper in law school - LL/T law survey of all 50 states.)

Property has recent survey and title search.

Second, is it a fee that covers third party costs like appraisal, title report, survey, legal document prep?