@Mike ReynoldsTexas has zero restrictions at all with pre-paid rent or depositsYou can literally put it all on Justify to win the Triple Crown if you wantDisclaimer:  NO that is not sound financial advise !

They get paid on prepaid debit card.. 

If your title work is less than 6 months old, you should get a discount on a new title policy, you might include that in your marketing, might cost you $100, save the buyer $300, set the stage for other seller concessions, but not prepaid items of buyer's taxes, insurance and some lender fees. 

The terms on the loan:Investment: $150kTerm: 6 monthsInterest: 20% Prepayment: Minimum of 6 months interest (e.g. if prepaid after 2 months, receive additional 4 months interest)The investor will receive $3 for each patient billed monthly by the Telehealth department for the next 10 years (after the $150k is paid back to the investor in the first 6 months).

You will need the following;* 25 % Down (Your Funds)* 9 Months PITI in reserves ( Outside your 25% Down) - Principle, Interest, Taxes and Insurance* Closing Costs (5%) Appraisal, Insurance Pre-paids and TitleIf you do not own a current multi and do not own your own home major suggestion is to consider a 2-4 unit owner occupied aka House Hacking to acquire your first Multi Family with 3.5-5% Down.Let me know if you have any questions.Regards,Joe Scorese

The result was - estimate closing costs, including prepaid items and escrow account funds, for a fixed 30 year fixed-rate loan could be $6,030!

Delayed Financing ExceptionA cash-out refinance within six (6) months of a purchase transaction when no financing was obtained for the purchase transaction are allowed under the following parameters: The new loan amount is not more than the actual documented amount of the borrower’s initial investment in purchasing the property, plus the financing of closing costs, prepaid fees, and points (subject to the maximum LTV). 1.

Now they want me to sign a statement agreeing to the increase after i've already pre paid based on the $413k quote.

They/she is to vacate in 11 days, as such we will return her/their prorated prepaid rent money. 

Their original quote also only had 2 months of prepaid taxes and the final quote has 7 months of taxes and this also added another 2k.