Lately I have been encountering clients whom think that they can acquire very substantial funding without paying any out of pocket expenses before the close of the loan.  And no I am not talking about a retainer or processing fee. I am talking about due-diligence, appraisals, insurance, etc.  Does anyone know of a funding source whom offers funding with these fees rolled into the loan?  I'm sure I already know the answer to this question but if anyone is or knows a funding source that can…