We are new so funds are very limited, is there a process you guys use to make sure legalities are set up right, and can they charge on the close of the deal?

I have lowered the price significantly this year. 

and they charge per door and not sure if they even offer everything that I want. 

However, I made the decision when interest rate was lower and there was support for an appreciating real estate market.

More equity means lower downpayment.  

If i have only a single unit security deposit in the account, it will likely get a service charge.  

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Are there any lenders who are lower than this, I've been brokering myself.

Question: Should I collateralize the loan (if using private or hard money), or rely on roll-over loans (to maximize the lower points and 3-4% rate)?

I would get a couple of other opinions on the quotes that are coming in and what you are being charged.