is it standard / expensive?

Again I would check with a bank who is going to use the standard Fannie/Freddie rubrics instead of their more conservative one.

@Kenneth Garrett yes 75k is the industry standard minimum, most shops prefer 100k+ for sure

With my previous Broker, they weren't as generous with this and collected whatever my previously agreed-to split was on a standard transaction i.e., if my split was 70/30, the Brokerage would take 30% of the 3% on my personal transactions just as they would on a non-personal sale. 

There are many kinds of hard money companies and individual lenders, there are no "standard" HMLs. 

It’s standard for older homes, and I don’t have any problems renting them.

Hey @Adah None,Your main issue is that you are using a BRRRR purchase standard for an on-market property in an extremely competitive market for investors.

ok, if it's original installation, you may have a shot at it, as most of the lenders I've talked to seem to consider the unit sort of 'tainted', if you will, if it's ever been moved, and will only so a chattel loan and a land loan separately, but not a conventional 30 year amortized. the tag on the home is standard from the factory... if there isn't a certification that the seller has, it may not be an issue for a conventional loan, but if you go for any FHA program, like 203k or standard FHA loan, just assume you'll be paying somewhere in the $500-$800 range for an additional inspection from your lender to determine if the foundation meets FHA standards to be considered a permanent installation.

Seller financing does not have a standard balloon payment of 5 years or any other standards for that matter. 

. My properties were either listed and represented by a real estate agent and so it was easy to use standard financing using medium to large lenders, or I used my own funds to invest.