You pay your agent at closing (think of it as an additional closing cost) Depending of the situation and of these options can be used by you and your agent to negotiate with the seller.

I have been able to find a couple of options for this setup though, they just require separate leases for each room and sometimes 2-3 months of rental receipts as well. 

Durham on the other hand is a great opportunity for investors seeking more short-term growth, more options, and higher likelihood of cashflow. 

Has anybody found a workaround for this or would the seller simply have to hold the note long-term without the option of selling it?

If the property is not yet generating income, you might want to consider other financing options like renovation loans or bridge loans, then refinance into a DSCR loan once it's stabilized.Hope this helps!

I would go with option A.

There is a processing fee if you choose the credit card option, but a direct ACH has no additional charges.

If you’re looking for DIY options, PropStream and DealMachine can give you some lien info, but they may not always be 100% accurate or up-to-date.For Central Ohio, check with the county recorder’s office or clerk of courts for lien and judgment records.

Especially in a more competitive market where the options are plentiful.

You may have that option, yes.