I saw a billboard for an agency that only charges a flat fee upon closing rather than the 6% commission. 

Since there are new guidelines and rules everyday my question is what are the requirements with your bank/lender to close on an FHA multi family 3 flat?

Just bought a two flat (6 bed, 3 ba) in Chicago's Hermosa neighborhood.

I currently live in a Chicago 2 flat which I closed hud203k in 2018. keep in mind you are going to have to coordinate with your realtor, the bidding contractors, the seller and your 203k consultant many times to get all the information you need.  

Find out how much  money you need to put down, and buy it.BUT if you want to build pasive income, indeed very different.You can buy that first building and you are flat broke again.Or..you can invest that $20K into systems that will get you a lot more than just one building.See what I would do personally, is find a way to get more leads and more money to build a stronger and deeper pocket not just to buy more buildings but to let the leads in cheaply to buy these doors for cheaper.So invest in a lead generating system that will fuel your building buying agenda.I would set up a business and generate discounted of market properties, make money that way, and then buy as you go.But that is just me. 

Potential a 3-4 unit or 6 flat and I’m speaking with lenders, each time they’re saying they can’t help me because I have a owner occupied loan and that the only way they can help is if I refinance out of the FHA loan into a conventional loan, so pretty much I have to pay 20% of what I paid for my 2 unit or have 20% of equity.  

I'm looking at lots of 2 flats in the western suburbs, and was wondering what people's experiences have been with legally converting 2 units to 3.

I'd suggest a flat fee to pay another broker for a price opinion, he's not getting the listing, but just paid for his time to value the property.

I am looking for a HVAC installer to do ductwork, heat, and AC in a Chicago 2 flat in Rogers Park. 

If it is a standard, flat lot most any builder can handle that.Next come plans.