She was also an educator serving our community and now we are both Realtors in MA/CT.We are seeing on-market and off-market Multifamily and commercial opportunities popping up frequently. 

Brokers acting as paper pushers and contract writers will obviously charge alot less than a broker taking on all responsibilities including marketing. 

TWO you have smaller / Solo Mentors like What Shiloh does who only takes on a few mentees or students at a time.I know of one of the later who takes on 5 a year.. its a full year program and he charges 100k per student..

Charge a fee for the ESA.

You can theoretically have a higher rate from one lender with lower origination fees and total finance charges may come in lower.  

What is he charging for the materials?

That is not something you typically can charge an owner on an owner finance deal. 2.

I can do that through charging points, but since I'm getting it at a lower rate than you could as a consumer, I prefer to mark up the rate while still being lower than most others in the market.

If you see work crews reaching out, ask the person in charge of securing housing where they go looking.

In my state i have no such requirement on security deposits but i question the feasibility of doing this as well as how will anyone know as long as you have the means to pay the tenant their deposit when they move out. most banks charge for low balance accounts.