In Real Estate, TIME IS MONEY.Getting a rehab loan done quickly is worth paying an extra few points in order to be efficient as you will be able to expand your BRR business which would yield results greater than the increased cost of capital that hard money brings.In order to escape a scarcity mindset you need to understand that money is in theory unlimited, they print it.But can you print time?

It may sound nice to pay a 6% management fee but the extra fees can add up to be more than the other company that charges 10% with no additional fees.

Here’s some context: Property 1: >$100k in EquityValue: $325kDebt: $220k @ 2.88% (30-year fixed)Property 2: >$70k in EquityValue: $325kDebt: $252k @ 3.38% (30-year fixed)Extra considerations: - I have $15-20k liquid to use for any of these deals- My current job is relatively stable, but not high-payin- Current properties in TX, living in NY, looking to invest in Mid-West (crazy, I know)- No other debt obligations besides the two mortgagesUltimate goal/timeline: Though a bit ambitious, I’d love to build up the portfolio to 10-20 units in the next two yearsI understand that any/all replies aren't financial advice; all ideas welcome for information purposes. 

I’ve had cases where it seemed like an easy fix, but dog hair can be a real nuisance that requires specialty equipment or extra cleaning hours.

7% is probably good for projections, but I would ask whatever bank you're planning to go with where they're at and factor in an extra 0.25% to be safe.

If you've already lived there for 15+ months, some lenders may not require another full year post-refi—definitely worth clarifying before making a decision.At the end of the day, it comes down to how comfortable you are with a higher fixed payment vs. keeping extra liquidity.

A little extra diligence upfront is worth it to protect your property, your cash flow, and your sanity!

It may sound nice to pay a 6% management fee but the extra fees can add up to be more than the other company that charges 10% with no additional fees.

If multifamily options seem scarce, consider house hacking single-family homes with extra rooms or an ADU for cash flow.

Quote from @Dominic M.: The fees are about market rate for PM companies although the repair is a little high imo - the issue sounds like they procured a bad tenant.