To start off, you should always always share what you want your real estate goal to be before starting a buying relationship with your real estate professional.

I get that it takes time to build a did business credit and relationship with banks.

I am solely wondering about the relationship between myself and a broker, and the additional expenses that may arise from working for a broker when no service is being provided by the broker.

In many major markets, you can get a property listed for $99 plus 3% to the selling agentMy guess is the 2% will only appeal to investors that you have a relationship with

Do you have a relationship with an agent that can pull comps for you?

Lending and borrowing is a relationship-based business. 

It can be challenging to put that wall up between the business aspects of the relationship and the personal. 

E.g. if your goal is to own 1,000 doors then you may want to consider multifamily, if you goal is to be entirely passive then you might consider being a LP in a syndicate, if your goal is to self manage then you will likely buy close to home, etc.Focus on one strategy, go deep, build relationships and dominate that space.

Find a lender who has competitive rates, great response time minimal junk fees and who you can establish a good working relationship with.

The relationship is key, and you may want to talk with your current lender in the future about some easier terms.