So any help, advice, or guidance will be extremely appreciated. 

@Nathan Gesner Thanks Nathan, you are always so helpful when I post a question on here so I wanted to come back and personally thank you and post pictures of the issue being fixed.  

In a few posts, it seems as if some brokers will not just work with banks, but have developed relationships with private money lenders and will help investors find them.

Hi Hyeonji, there isn’t necessarily a savings advantage of leveraging a 2/1 buydown, you would just be doing it to help bring down the payments for the first 24 payments, to improve monthly affordability. 

Any information that you need to help guide your advice for me, just ask.

Let me know how I can help anyone out.

Hopefully this helps.

I am also finding that as you mentioned part of the learning curve is knowing what a particular state's law is.At the same time, I have in the past found paying some money for a course has helped me to learn and take action more quickly. 

@Nick Longthey will, but in the long run I don't think it matters all that much to save half a point or a point.i am still not sure what you are trying to accomplish - happy to help if you want to share more

Hope that helps!