Most of the time it isn't an issue, but i've seen lenders charge fees for such a loan. 

So if you provide that service for someone then you are entitled to charge for your knowledge of potentially qualifying a borrower. 

Maybe use this to help with closing costs and improvements for your multi-unit home you want to live in/rent the other units.This would let you charge more for the other units being rented and increases your cash flow.

Questions: Seller proposes to value the house at $85,000 and charge 5% interest for the first year, and incrementally increase the rate to incentivize the refinancing. 1) Is it likely that the buyer would be able to refinance within a three year period given his credit situation?

I'd also charge them a principal payment + interest to cover my expenses + whatever my desired profit is. 

If anyone insists on mailing their payment, charge a fee for "processing" the payment and definitely charge a late fee if it's not in your hands by the due date.Sign up for Cozy.co or another online rent payment system.

What rents do you charge?

and the letter might be more for someone emotionally tied to their house, not a income property, but hey, no real harm in trying!

One reason is the customer doesnt realize that the 3 hours that I spent picking up materials is part of that hourly charge . 

I typically use 8%.In addition to charging a percentage of gross rents, most property managers will take a larger percentage of the first month's rent for any new lease executed.