Johnny, I know exactly which lender your working with.I am going to tell you, there are better options.Look around a bit, That prepay is 5% fixed for 3 years.I wouldn't pay 22k to buy a rate down in a decreasing rate environment.A 7.75% on a 3,2,1 declining prepayment is a better bet. 

I have a staff of Maintenance Techs and we fix lots of items for a profit while at the same time saving the owner money, win/win.We are transparent company, and we provide all receipts upon request.

Just like @Jason Wray said, finding a good agent or already knowing one is your best bet.

Being aware of not biting off too much at one time is a skill, and it seems you have it.Real estate is all about incremental wins and, maybe most importantly, staying sane and JOYFUL while doing it!

He’s all about crafting win-win deals that not just benefit you, but create a ripple of positivity and trust in the community.Wrapping it up, being a part of Pace Morby’s SubTo community has significantly ramped up my game in real estate.

Having the right team is 100% your best strategy to win in Real Estate, especially with a Renovation Loan that allows you to purchase a home as-is and make all repairs/improvements post closing with budget (money) in the bank, ready to go the day after closing.

We made a bet: be okay with no (or negative) margins on cleaning and let high quality reviews pay dividends years later.It’s paying off. 

I run a call center for Real Estate where we call for investors and I can tell ya, your best bet with such limited time is cold calling targeted lists (high equity within your buy box) for 3-4 hrs every day.

Either way, it’s a win-win for you.Hope that helps!

You bet!