.: $200Total Expenses: $14,880NOI: $26,753Mortgage: 4.63% Debt Service: $18,026Cash Flow: $8,727Down Payment: $97,500CoC if Maintenance at $1,000: 8.9%CoC if Maintenance at $4,560: 5.3%The maintenance portion of the above is not fully vetted and could bring my CoC return lower.

However I have a high debt to income ratio and live in a house that is way too small for my family so I need another one.

I chose not to do an assignment to avoid loosing the deal at the last minute in the event the title company sent settlement statements to buyer and seller the day before which would show my profit.NEGOTIATING CLOSING COSTS......Also, what strategies would you suggest in negotiating that the seller and the end buyer pay the my agents 6% plus closing costs?

I was able to get a Federal Tax ID online and then opened bank accounts/credit cards in the name of the consulting business, all off of my personal credit report (although I remain responsible for them, it helps to have some debts/credit cards off your personal credit report).

I want to get some suggestions on proven strategies for getting the seller and the end buyer to pay ALL  or at least 70% to 85% of my real estate agents commission plus closing/settlement costs.

We both have 740+ credit scores, one of us has a higher debt-to-income ratio,  but the other doesn't, we have a decent amount of capital between us, so qualifying for a loan in general isn't the challenge, we just want to be smart.

Your increase in outstanding debt and the type of loans you have in place will affect your score as well. 

What I have since learned was the seller has not defaulted on loan but no longer wants the property so she was trying to sell it and have bank forgive the debt.

@Andrew Boykins you need to decide if you are going to use equity, debt, or a combination of the two.

You need to understand the difference between good debt and bad debt.