Option A: It won't be necessary for buyers to pay their agent "out of their pocket" per se, because lenders are already working on loan products for buyers to roll that commission into the loan.

The loan programs for 1-4 units have more favorable terms depending on if you're buying with income with a conventional investment property loan or having the loan underwritten by the rents with a DSCR / rental property loan. 5-8 loans generally have tougher underwriting and the rates are higher if you're looking at DSCR loan options for 5-8 units. 

Or buying houses circa '03/'04 on zero down, interest only, loans, sell in a couple of years, and then tell everyone how easy it is.

Do you offer these kinds of portfolio loans?

We used a fannie mae homestyle loan to take it as-is and renovate it using the banks money. 

You can typically get an investment property loan for these putting down 20-25% with a duplex cost of $400-450k. 

There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.

This put it into light for me so much highly appreciate this getting more and more familiar with the previews everyday understating it and putting it into action I have been talking to agents and also looking at properties and doing the numbers nd applying for loans.

With this being our first one, I am wondering about prequalifying for a loan.

If you need a higher loan amount, you may need to consider a stand alone second mortgage.