I think your absolutely right.

I don't think he would allow someone that had to put the fee on a credit card.

Easy google search if you want to look it up.I do expect them to take profit on this, otherwise how would they survive, but if you think you'll really get far doing this way that's a different question.

I think it is probably the most important stat.

They’re asset-based, meaning the loan is secured by the property itself, and they often have quicker approval times but higher interest rates (think 10–15%) and fees.

I think it's a great strategy.

Call the PM (I don’t think HABD will provide information on a property you don’t own - even if you can get them to answer the phone).

I'm thinking the difference in my area for a studio is $1,600 LTR vs $2,000 MTR.

and what do you owe and what do you think the property is worth? 

Some people think a 4-star is good.