"WHO" pays "what" when dealing with Hard Money Lenders?

[Aaron Britt]

When dealing with hard money lenders;

My questions are -

While making monthly payments to your hard money lenders;

1) Do you still pay insurance and taxes? If so to whom?

2) If using an agent, is their commission paid out of the private money or is that separately paid by the buyer?

3) Is it standard practice to pay a monthly fee for a POF letter or a pre-qualification POF letter in order to have it consistently available?