Financing question

[Sam H.]

Hi everyone.  I'd appreciate your help and guidance here.  I am considering a couple of properties and will be financing them conventionally with 25% down payment.  I plan to rent them out.  My questions is this.

Should I bundle the closing costs into the loan and deduct the monthly payment as an expense to the future rentals?  Or should I pay the closing costs at closing and amortize them?  

Does it matter that I am in a high growth market where property values are going up?

Thank you.