"Question: have you ever filled out a spreadsheet of cost and lifespan of each product of a property?

When I made my earnest money deposit, in Oct, I was told production would be in 2022 and completed by 2023.

Reason being is that it allows you to invest in other products other than they offer, so that's why they don't promote these . 

I've had lenders offer products I didn't know were out there for buying certain types of properties as well.

The proformas are utter nonsense because they know the product is no longer a viable investment.

Here is one I found in about 30 secondshttps://www.metalroofingscrews.com/products/hvac-line-set-co...

You are likely overpaying by $5,000.Broker fee of $3,000 and Processing Fees of $2,000 seem out of place...but then again, i never used a broker to get a loan so I am not sure about that.If the broker was able to get you an interest rate or loan product that you wouldn't be able to find on the open market...its high, but likely fair.if you are getting a loan product that you could have gotten by going to a normal bank...seems high and unnecessary. 

@Denver McClure Curious to get your thoughts here as I know you have some products

When you go to a Bank or Credit Union, they can only offer you what products that bank or credit union offer.

At the end of the day, they're usually buying the products from the same outlets that you can!