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Your first step would be to speak with a few lenders, I would suggest going the mortgage broker route, versus a traditional bank, as they may have a larger investor pool to get you financing for what you are trying to do. Someone below had mentioned that your representation being free was not true and that the commission was calculated on top of the sales price and then passed on to you. The way it works is this: the seller signs a listing agreement for "x%" with the listing brokerage. That listing brokerage decides how much of that listing fee will be paid to the buyer's agent. The seller has already committed to the commission amount with the list agent. So whether you use an agent yourself or not that commission will be paid to the list agent entirely or between them and your agent; that is unless you can convince the list agent to reduce their contracted fee with the seller J In short, the help is there if you need it, or want it and is paid out of the sellers proceeds from the sale. The fee is not tacked on over and above the sales price, and if the property does not appraise you should have the option of dissolving the purchase agreement at no cost to you. Best of luck!
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