For example, one of the lenders I deal with requires at least a 700 score for "rookie" developers with no experience and requires a 25% down payment and charges 13% rate and 2.0% fees.

Always charge market rents.

A tax account ensures nothing is accidentally spent elsewhere, and a marketing account makes sure lead generation is always prioritized.From a credit perspective, connecting credit cards to these accounts on autopay helps you manage spending responsibly while playing the credit game.

With risks bring the higher chance the cards will collapse.

Also depends if you are getting appraisal and what attorney charges for creating loan docs

You can have a box of items that are free for tenants to take/use: toothbrush, toothpaste, charging cables left behind from other guests, sunscreen, unused earplugs, etc.

How much do they charge?

A very prominent loan officer in NJ was charged recently for helping borrowers do just this. 

There aren't many things that "appear" to be leaks, they usually are leaks and if it's been leaking since May you are going to have way more issues to worry about than a premium plumber charge.

They were nice and didn't charge me the 10% penalty though.