Broker's often offer sign-on bonuses like free or discounted business cards.

If I am only assigning the Option why do I need a Lease signed between myself and the Seller ?

To qualify, you are going to need a sponsor/loan guarantor who meets these requirements to sign on the loan.Your best bet is secure a 20% to 25% down commercial loan, raise money to fund the down payment, and find someone to sign on the loan.

I brought a cashier's check (I think for 5K) for the down payment and signed all documents right there.

You need to convince the seller or his agent that you have the financial capacity to execute the transaction.  

If they take they time to call you back and answer questions, then that is a good sign.

This is actually a sign of a growing stronger economy.I would suggest you shop around at different banks. 

Perhaps in the smaller commercial space where you are dealing with mom and pop type of properties you might ask for and receive a Schedule E, but in larger transactions you just don't typically see that.

Make sure you sign up for BP webinars explaining House hacking,  etc and ask in the Forums.

Total Closing Costs (J) $62,251.61 $0 YES Closing Costs Paid Before Closing$0 $0 NO Closing Costs Financed (Paid from your Loan Amount) $0 $0 NO Down Payment/Funds from Borrower$0 $0 NO Deposit -$1,000.00 $0 YES Funds for Borrower -$36,304.75 $0 YES Seller Credits$0 $0 NO Adjustments and Other Credits $1,304.86 $0 YES $26,251.72 $0 Cash to CloseSummaries of Transactions BORROWER’S TRANSACTIONUse this table to see a summary of your transaction.