Hello Austin,I would definitely ask the lender about the 2 line items for loan origination, though 855+855 = 1710 which is exactly 1 point of 171k.

If you have tax planning and complex items within the return, I could see it getting there but it seems a little bit high.

Then you have the points and underwriting and processing fee which some may only have one.Overall, there are a few items in there that seem a bit high but in the grand scheme of things they are not way overblown or super high.

One item that you want to discuss with your CPA is the basis of the property when you convert your primary residence to a rental property.Best of luck.

I am in the Indianapolis area which has the same Midwestern feel but much more economic diversity. 

Red flags have been the opposites of the three items listed above!

I try and push my clients a bit more on year end items from October on so January isn't a Poop show for all parties. 

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

Deposit AmountThose are the 4 items you have to play with that do the negotiating. 

Upon move out and receiving a portion of the security deposit, we were charged an over $400 cleaning fee in addition to some normal wear and tear items because they exceeded the apartments self calculated normal wear and tear allowance.