He wants a fair market value, and duplexes here are harder to come by, so I'd be happy to pay accordingly, but want to make sure I'm cash-flowing, but likely might not have 20% down to pay unless I sell or refinance another property.

Please help spread the word @Logan Turner.  

Even if it wasn't towards closing costs, I've learned you could get concessions through buy-down options so as long as I can negotiate something beneficial I'll be happy. 

If you have been a good tenant, most landlords will be happy to accommodate.

I'm happy to share more if you want to DM me.

And we pay close attention to spread on the deal.

For its part, mortgage buyer Fannie Mae now expects mortgage rates to be 6.4% in Q1 2024 and 6.2% in Q2, down from 7% and 6.8% respectively when it released projections 2 months ago.Additionally, the spread for mortgage rates above the 10-yr Treasury bond remains historically high and likely will continue to do so until the bond market feels better about inflation (more on the latter, below).

Shoot me a PM, I'd be happy to get on a call to talk in greater detail.

I'm happy to help connect you to resources available to you!  

I am a licensed lender here in Florida and would be happy to review your loan estimate for you to make sure you’re getting a good deal and not paying closing costs that technically do not belong to you.