We got our first applicants who we have questions about.

You can get water /sewer charges from the town in most cases.

My applicable anecdotal experience is this;Bought my first house in Tulsa OK for 180k with a VA loan then one year later got a great job offer to move to Eastern PA.

One of the things I've heard about hard money is in addition to higher rates, they have pre-payment penalties.Current or prior ownership of real estate: as stated, I am currently renting and intend to rent for at least another year or so.Value of property at present and/or your offer price: $158000 (zestimate)After repair value: $Anticipated or actual appraisal issues: will perform one during due diligence Current rents per month: $425Fair market rents per month: $500Down payment or equity: $30000Source of down payment funds, if applicable: see aboveIncome Source: Salaried/hourly W2, VA comp, Gross monthly income (optional): $1800 tax exempt, approx $4-5k in base wage (+ OT opportunities)Monthly debt obligations appearing on credit report, plus (if applicable) personal rent and alimony/child support/etc: $800/mo in rentFICO: Excellent Credit issues: None.

The seller is willing to charge us 30k in points to seller finance the deal.

I would also charge another fee for keeping you exclusive and forcing you to pass up on other opportunities.

YEARLY with that amount.I checked the origination costs with my lender just now and you are right, they charge $4000.

Learned how to cut/copy/paste and now I'm super charged and very confident utilizing all the calculators.

On top of that, I know they are the ones leaving the trash bags outside the cans but I don't know how to prove that in order to charge them a fee for it.

Trust your gut...hopefully you get some applicants with better credit scores.