As to other credits, a lender only allows amounts paid in excess of fair market rents based on the appraiser's finding the rent amount in the future, not as to what your agreement states.

She needs to be a grown up and accept that she has skin in this game. 

I've been licensed since March so I'm still fairly new.  

Seems like the fair thing to do is to split the cost between your friend and the 2nd floor tenant.

If these are $700+ units that is a fairly tight margin. 

Mary, kados for posting, but everything past your first paragraph still appears as if you wrote it to your salutation of kados, fairly sure you didn't compose that, but it's a good reminder and borrowers should know if a lender is not being compliant as well. 

I am fairly new to BP but like what I've seen so far.

We want to be fair and also bring value to the deals, and be able to form long term relationships with flippers and investors.  

If you pull comps and write your letter, the appraisal does not have to change his Opinion of Fair Market Value, however he should/has to within the report address why your sales were not utilized and or why they are not considered reasonable comparable alternatives.

Many times I use the commission when figuring out my numbers.Until an offer is signed by all parties, it is fair game and not unlikely for a seller to accept a better offer before another offer is signed.