Typically, people will quit claim deed the property over into the LLC's name knowing that they run the VERY small risk that the lender could call the loan due using the due-on-sale clause.

Option A: It won't be necessary for buyers to pay their agent "out of their pocket" per se, because lenders are already working on loan products for buyers to roll that commission into the loan.

As of now, I have saved up enough money for a down payment on a fha loan, and my income is expected to meet the loan qualification criteria soon (with my parent co-signing due to my limited income history).

If you guys could help breakdown the fees involved with the hard money loan, and the refi with the bank, that would help tremendously 🤟🏼

Or buying houses circa '03/'04 on zero down, interest only, loans, sell in a couple of years, and then tell everyone how easy it is.

The loan programs for 1-4 units have more favorable terms depending on if you're buying with income with a conventional investment property loan or having the loan underwritten by the rents with a DSCR / rental property loan. 5-8 loans generally have tougher underwriting and the rates are higher if you're looking at DSCR loan options for 5-8 units. 

Do you offer these kinds of portfolio loans?

We used a fannie mae homestyle loan to take it as-is and renovate it using the banks money. 

You can typically get an investment property loan for these putting down 20-25% with a duplex cost of $400-450k. 

There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.