I strongly suggest anyone doing a subject to transaction contact an attorney such as yourself to ensure the best shot at the best outcome. 

When I confronted them, they defended their quote, stating that they go off the industry standard and a portion of the labor time is for "testing the system after repairs to ensure safety."

Protect yourself with knowledge about your counter-party whether it is a broker or lender and certainly shop the market to ensure your terms are fair and consistent with market trends.

Here are a few ways to ensure success:1) Find the right team. 

Ensure you have a clear agreement in place to avoid potential issues.Real estate crowdfunding platforms, such as GoFundMe or Kickstarter, can also be used to raise funds for a down payment.

Networking with other investors can also provide fresh perspectives and new ideas, as sharing experiences often leads to innovative solutions.Additionally, leveraging technology, such as CRM systems, can help streamline lead management and follow-up processes, ensuring no potential opportunity is overlooked.

It allows you to leverage the property without affecting your credit, but its crucial to fully understand the terms and ensure it aligns with your investment strategy. 

Those factors, plus the work needed to underwrite something like that, tend to make them trickier than say, a 90%/100% lender.The second thing is ensuring that the values that they are operating under will work with 100% financing.

We deliver quality and value, ensuring our homes stand out.

This will ensure you have no problems running your STR for years to come.