Potentially a 'exclusivity in exchange for reduced fees' or 'reduce per-visit fees as the number of calls increases.'

most bankers are standoffish ;-)yes, the HML/PML will be higher cost, but my concern for you is the banker knows he can't do your deal, but will string you along for a while, ask for additional information that takes you time (and maybe cost) to put together and he ends up either ghosting you or taking 6 months to tell you no.I could be wrong and you may be dealing with a "unicorn" banker, but I believe a HML/PML that knows construction in your market will be easier to work with, actually close your deal, and end up "saving" you money in the long-term...just my 3 cents - even inflation has increased this!

Also, if you go into the BRRR strategy to add more properties faster, every time you get rent and make a payment, you’d still be paying off the loan which is increasing your equity so it’s like a savings account that builds itself.

Some expenses are noncash and can be added back to increase your net rental income, and others cannot.

The shorter the prepayment term has an impact on increasing the rate.4.

Property taxes are especially high, as the city by default increases it at 2% per year even though market value of those condos have crashed by over 10%. 

And during inflationary times, our rental rates increase.

Downfall to some DPA's is they require you to own the home and not sell it or refinance anywhere from 2, 3 or 5 years depending on the state.I have seen people use a DPA and after they purchased the home they did some renovations and the home increased significantly in value.

I know Baselane is becoming increasingly popular, but I want to make you aware of this ticking time bomb if you're using their banking services for rent collection - if a tenant reneges their part of the contract, they can literally collect everything they paid prior no questions asked.I'm working with Baselane to negotiate this issue, but they remain stern on their end.

A recent study showed that 80 people are moving to this city every single week, which will continue to increase housing demand.