Which leads me to think that this fee is not only high but almost unnecessary when you as the renter do pretty much all of the work besides opening the door to the show property and getting the lease agreement signed (which are for the most part just made from a boilerplate template). 

Getting a mortgage after is closer to a refi than a starting mortgage...and in most cases, unnecessary since the LC itself is a form of a purchase agreement...usually just over a shorter period of time. 

Seems unnecessary, if you’re paying a US llc, with a W-9…..who He subs to is not your issue. 

Right now cars impose a lot of costs, externalities on society that car owners themselves are not directly paying for.

My concern is my credit score taking unnecessary hits. 

My point was (in more simple terms)  that by changing our perspective we can mitigate if not eliminate the unnecessary pressures of "perfection"

This is just the removal of the extra lender-specific hits that banks were forced to impose in an attempt to taper down to 7%.

Then send a good handyman through the unit to develop your own list...I'd bet there are plenty of unnecessary items on her list....Look at the existing lease and see what your responsibilities are, then draw up your own contract with them.Frankly I would be turned off if a tenant came up with a list of 'demands' to a new owner....

I also don't recommend people take unnecessary risks without the counsel of an attorney and a CPA.

California, for example, imposes a $800 annual tax on all LLCs.