For example, there is a large national retail lender that advertises heavily (and I am sure will have a super bowl ad later today) who regularly  will show unsophisticated buyers a great rate but then when the LE comes there are 2-3 points (which is just pre-paid interest) and high fees.

All figures are generated for illustration purposes only and do not reflect actual figures of any of our current/past transactions.Questions:1-If our debt package requires 3 months of prepaid P&I ($15,000), should we increase our Sources & Uses schedule to account for this figure, or do we anticipate the property to perform & simply borrow funds short-term from ourselves or 3rd party credit until operating incomes can pay back the short-term loan?

No exceptions.Poor Credit/No Credit: This depends but we will do double the deposit or pre-paid rent etc.I know every state is different but we find that if we make sure the tenants getting into our parks have a good history the park runs a lot better.

So you pre-paid the $30k for the work and now he's essentially ghosting you?

Expect to pay about $5k or so in lender fees plus your title fees, prepaids and escrows.

I’m guessing, since you say it increased $5k and the prepaids are about $5k that’s what happened. 

Here is the quote from that document:"Therefore, any prepaid funds held to secure future rents are considered to be a part of the security deposit.

Fund 529's for both your children assuming you are married put in 360k this year so you fund each kids with 180k and choose the conservative prepaid inflation protected account or if you are comfortable with capital market exposure go that route. 

I wanted to be hands on.And yet, those two houses costed me 6 figures from a raided prepaid renovation "reserve" when the contractor "went under" and left my projects unfinished and my accounts emptied.It was humiliating, and damaging.

A 2 BR or 3 BR townhouse condo in the same complex easily costs 3x - 5x as much to rehab if it has been neglected since the 1960s, while only drawing 1.5 - 1.8 the rent.The purchase price for the latest unit is $18,000, and closing costs including reimbursement of pre-paid property taxes will bring the total to $18,700.