What about closing costs (not just prepaids/escrows)?

And all non-FSBO homes sold with seller-prepaids and closing cost concessions averaging $10k or 2.5%.

You probably know this already, but a timeshare isn't real estate; It's an expensive prepaid hotel room. 

@Matthew Banks- thanks ...1)  if buying 1st property as your primary  residence  - you should target  3-5% down payment for whatever your  price  range  will be  .....keep in mind you  will also need to have  funds saved for  the new loans  loan fee/ closing costs / prepaid taxes insurance and interest  .....you are allowed to ask the seller to provide a  credit that can be used to  cover some of these  items  .....get  pre approved  so you can  learn  the process and  understand the  numbers  ...good luck

I don't understand the concern if your tenant pre-paid through Jan 15.

Costs can also include: appraisal, attorney fees, closing fee or escrow fee, mailing fee, credit report, escrow deposit for taxes and insurance, UPMIP, flood determination, home inspection, required disclosures, homeowner's insurance, lenders policy title insurance, owner's policy title insurance, prepaid interest, private mortgage insurance, property tax, recording fees, and title company title search.

Good day Charles,Hope you and your family are well.I have included the contract with this package and a prepaid envelope to send it back to my office at our expense.

Along with prorated rents or any prepaid rents or last months rents.  

It works in the format that they owe you money on an account balance, whatever money they owe they can pay it, if they don't pay it, any account credits/prepaid rents or security deposits go towards that balance.

Then, to get the deal, he paid ALL buyer's escrow, title and recording and took all the up front lender fees (3 points) and put them in the form of a prepayment penalty, so buyer paid NOTHING up front but prepaid interest and insurance and tax proration.But again, there's LOTS of money chasing FEW decent deals here in California.