Suppose, I pay full rental value for the house in return for two things: a small spread on cash flow and zero interest.

The media tells them it's their "right."

The media has reported, almost as a chorus, that "a downgrade in US bonds will ripple through the economy effecting the rates on everything from home loans to credit cards."

If the spreads are equal (% wise), I'd take the lower priced property to minimize downside risk if I didn't know what I was doing.

Surely there are lenders lending to some folks in the 3's with zero yield spread in trade for some fees.This is impossible to analyze because you have to make assumptions about the borrower and how they want to structure the loan.

If so, someone can help us with finding out the spread.

It has enough spread to be a deal.

What lender wants to lend when they can get no spread and can get better (and safer?)

If a $400 inspection cost brakes your deal, you did not have enough spread for that to be a deal in the first place.

If the seller really has no money to pay the brokers commission then simply reduce your offer price to make the numbers work and you pay it.If it's a short sale the bank might not pay the closing costs and the seller has no money.I always try to find a way to make the deal work instead of getting fixated on who is going to pay what.If you are wholesaling and your spread is gone after commission and closing costs you need to move on to another property.