There are some new hits that were recently announced from Fannie Mae for the LLPAs (loan level price adjustments) that will increase the cost/rates for second home financing.

With property tax adjustments and the mortgage company requesting an additional amount for possible future increases.

Basically doing larger numbers in one type of marketing gets you data faster that you can use to adjust based on your results. 

Currently I have a spreadsheet that is very intense tracking all expenses by trade/vendor and it also shows my budget with another column for under/over budget too...let us know how it turns out...agreed so needed!!

Adjust what has been pertinent in multifamily and what has been pertinent in SFR to a better product.What is the difference between a value-add and opportunistic fund?

Once you are confident that you are marketed properly you will have to adjust the price until you get a tenant.

A quality trainer would be great in any field or endeavor and certainly is helpful in a capital intensive business like real estate investing.

Puyallup is notorious for being in the Mt.Rainer lahar zone and with insurance companies adjusting their models for climate risk i wouldn't put it past them jack up premiums in the area.

Yes, probably 50/50 to start and then once you have a strong track record with them, you may have the leverage to try to get a higher percentage on your end since technically what you're doing is more time intensive than what they are doing (cutting a check).

I am not saying this the approach that should be used, just saying there are a few levers that can be adjusted depending on what your overall goal and financial situation is.