They are average on some fees but they are way overboard on how many fees they have.

I'm curious, at what point does this reflect poorly on PM and suggest I should get antoher PM?

This new rating system changed how FEMA determines flood premiums for the NFIP. - Phase 1 (October 1, 2021)Applied to new policies or existing policies that opted for early renewal under Risk Rating 2.0.- Phase 2 (April 1, 2022)Applied to all remaining existing policies, transitioning them to the Risk Rating 2.0 methodology upon renewal.The new system replaced the decades-old approach to calculating flood insurance premiums, aiming to provide fairer and more accurate rates based on individual property risk.Before Risk Rating 2.0, flood insurance premiums were mainly based on whether a property was inside or outside a designated flood zone and its elevation on a map. 

Here are a few avenues folks often explore in times like this:You are already on this path - Owner Financing: It's great that the seller is willing to finance a portion of the deal.

Quote from @Felicia Nitu: Quote from @Jay Hinrichs: hope it works.. but throwing in the affordable housing requirement a lot of times kills the project right there.Also at least in markets I have worked the time lines START from completed submission.. you make your submission and then get an incomplete letter this goes on for months and months soo time lines still extend.. but at least its a step in the right direction hope if works.Hi Jay, the affordable housing requirement can definitely be a dealbreaker for some projects.

That's an average of 17% annually over that time.The City of Detroit has not only outperformed every city in the Metro Detroit area, its outperformed every city in the USA from 2014-2024:Let that sink in for a minute ... you'll probably need more time than that to process this!

I don't have an answer, but now I'm following this.

For example, the entity is registered with the state, providing transparency and avoiding title issues, which makes lenders more comfortable with the arrangement.

@Dan BlackHey Dan I can't agree more with your statement.

Quote from @Matthew Hull: Thanks for the thoughtsI should be more specific.