If you use the PAR seller's disclosure form, it includes everything in the state's minimum seller's disclosure form PLUS a bunch of additional stuff to disclose that is not required to be disclosed under the PA law. 

A side deal between you and the seller not disclosed on the HUD-1.All but one of my properties is less than 10 years old and I haven't had many major issues.

Make sure you disclose your lack of ability to refinance properties for a while to the sellers though so they understand the risks involved.If you can't widen your search or are uncomfortable disclosing the risks to the owner finance sellers then I would err on the side of buying.

Nothing illegal about that and no need to partner with some crooked guru.Even in Will's scenario, you have to be careful about disclosing to the bank that you intend to make a profit on the deal.

I assume it was disclosed somewhere earlier in the process, with the lender.

Look at your agency contract with the broker, if the training charge is listed as a drawing expense arrangement, then yes they can, if it is not disclosed in writing, then they are just messing with you IMO.

My issue if this is for Cash Only buyers, this need to be disclose in the advertisements.

How much information should I disclose if I want to rent to place?

And just from a decent-person perspective if you do plan on shuffling tenants around when renovating,  make sure to disclose your plans up front in writing, and offer newly renovated units (at or very close to market rate) to qualified existing tenants first if you are asking them to move. 

There are three ways to broker a deal:Transaction brokerage--which is the defaultSingle agency--which requires the most duties including fiduciary duties, confidentiality, obedience, AND loyaltyNo brokerage...which mean they work with a buyer or seller as a non-representative...which only requires dealing honestly and fairly, accounting for all funds, and disclosing all known material facts that affect the property which are not readily observable.