The arrangement seemed very complicated but the net effect was something with a payment structure that looks like a typical mortgage.  

It's my first time working with a private lender. 

Im from London Ontario.Im from a family of real estate investors, my dad has 10 SFH rentals.Ive flipped 2 houses now, and im looking to step hard into real estate.I have my Mortgage Broker License. 

Ina, there are several lenders servicing the NYC multi family space that pretty loose about income and tax returns as long as the property shows decent rental income. 

If the lender doesn't want the deposit(s) shown as a credit to the buyer (after all, these are not funds used to reduce the cash from buyer, they are third-party funds), the new security deposit escrow account can be the line item beneficiary on the seller-side only.Line ~506: Security Deposit(s) to ESCROW (or similar).

He was so desperate after paying a mortgage and expensive rents.

my lender is willing to eat some of the fees to keep my rate.

I'm struggling to find a good deal sheet calculator that I can use with my hard money lender.

For instance, buyers normally have to pay for origination fees from the lender, insurance, appraisal, attorney/title fees etc.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?