You already pre-paid your cap-ex with the $55,000 in repairs.

I think in your scenario, the lack of credit might be an issue, but it is amazing how many problems can be dealt with if you can keep away from FHA loans (MY opinion, I hate the prepaid interest, the extra scrutiny, and the whole process in general), that said, some times it is what you have to work with, so you go for it.

Yes, if you prepaid $10,000 with your extension.

I have heard about prepaid penalties for other loans, but I was not sure about mortgages.

Very low down payment requirement and you can ask the seller to cover your closing costs and prepaids. 

I just signed the papers on a mortgage refinance and in the prepaid column it has 3 months of taxes and in closing costs it has 2 months taxes which will go into My escrow account.

If Landlord is not able to deliver Tenant's apartment within seven days of the date so stipulated, then, upon Tenant's request, Tenant's deposit and any prepaid rent will be refunded in full and this lease will become null and void.From my perspective, the house was ready and in a “livable” standard on May 1st (the start date which was stipulated on the lease) or else they would not have signed the lease in the first place.

Is the $6.6K actual closing costs or does that also include pre paids?  

But, isn’t it only “lender type fees” that get added in.....aren’t “closing costs” like surveys, title search/insurance, settlement fees, pre paid taxes/insurance, etc Excluded from that calculation?

I was wondering if anyone has subscribed to pre paid legal services and what were the experiences of doing so.