However, I'm fairly new to the game; I'm a newbie. 

Just want to be fair but not charged unnecessarily.

Below is what I've gathered from my research thus far:Before reaching out to professionals in my area, I want to ensure that I am the best person to fit their needs.

Unfortunately her being my sister I also know that in august/beginning of september she went on 2 vacations out of state, the state fair, a concert and the county fair...so she is NOT struggling financially she is just putting rent as her LAST priority!

Does the $275,000 seem fair? 

Industry folks can get their hands on discounted loans fairly easily, so your other option is to sell to a passive investor or someone unfamiliar with the industry.You mentioned before that the loan has a pre-payment penalty on it, but it isn't over the life of the loan.

As has been mentioned already, you know what you have available to you, and you can make sure to calculate your costs properly to ensure any deal you are looking at really works for you. 

Hi Alison,I think this is a fairly common conundrum that you're in with anyone who owns property in a growing market and has a sizable equity stance.

It doesn’t seem fair that I still have to give 6% up for nothing.

If they are VERY professional, they will have their processes in writing as verification that it is enforced equally and fairly by their entire staff. 6.