Or are we financially obligated at all to pay for this?

I've heard from a few people that it is possible to surpass the 10 single family property loan limit if you put your properties into a corporation or s corp which holds 10 or less.

Am I legally obligated to pay her first months rent if she had nothing to do with the deal?

The seller isn’t obligated to negotiate any further with the buyer. 

Has anyone heard or worked with NACA? I’m a potential first time home buyer and I hesitant to believe everything they say.

i.e. you can't hire the contractor without it.It's a lot easier to get a W-9 upfront I find than months after the job is complete when you need to issue that contractor a 1099.Generally, you must issue a 1099 to all non-corporate independent contractors whom you pay $600 or more in cash or check during the tax year.

@Brian Gerlach Fannie Mae and Freddie Mac count loans on properties that you are personally obligated for.  

So properties have different underwriting models based on credit tenant type, stnl or mtnl, how many primary years left on the lease, lease staggering, termination clauses, co-tenancy clauses, restrictive use clauses, lease guarantees for personal and corporate, disclosure of ongoing sales, association by laws, etc. 

As a result, Your realtor has a legal obligation to always represent your best interest in the contract as she is the “real estate expert!” 

Hello BiggerPockets, Currently looking for recommendations on a Corporate structure attorney in NJ who specializes in business matter.