If I were you I would join a local real estate investor facebook page for your city. 

Interested for 9 years, but just joined pro yesterday! 

So ideally you can join a company like this until you meet your minimal requirement to go on your own.Regarding your interest in becoming your own Broker, have you looked into the costs associated with that? 

Come join us!

Then I joined a broker where I have complete time and productivity flexibility.

Purchased previous to joining BiggerPockets, although it provides a great source of passive income I made many mistakes during the purchase process.

I have a good relationship with the code enforcement officer in the city, so he joined me for the tour. 

They give legitimate owners bad names. 

I am a out of state buy and hold investor in Huntsville and I would highly recommend joining the Madison County REIA meetups.

There might be some legitimate reason why that happened (a lender hopefully will chime in on this thread to provide insight), however if so, the lender should be able to just explain to your and your client why that is.What I would really want to know would be a) what was the original agreement between the buyer and the lender, and b) why is it not reflected in the fee estimate?