Current home value: $523,000Amount owe: $263,000Equity: $259,000Interest rate/loan: 2.25%/30 yearobviously refinancing would be a hit with that interest rate, considering either selling or HELOC and investing into multi fam via house hacking. 

Why wouldn't you offer a referral fee?

Also look at their property tax rates and how much they go up each year. 

If you use prevailing interest rates at the date the loan was taken out and run the amount as a 30 year fixed you can amortize to the date you wish.

Hopefully, someone will jump in with more information for you.When it comes to financing, I always start with Andrew Postell with Guaranteed Rate.

Check fb marketplace for the going rate.

If you can find a deal that is assumable (you take over the seller's interest rate), that would be ideal.

Know what is market rate for rents as well as what section 8 pays.

Taking a credit at closing or reducing the buyer's agent fee would be the easiest way.

This is either splitting it or a flat fee.