I would get a couple of other opinions on the quotes that are coming in and what you are being charged.

It’s like a built in test. 

If you get so large that you need to invest in technology, you'll likely need to get a sub-servicer anyway to do it for you and keep you compliant. 

At least in my experience.

Do you have a team built in any other markets?

for infill I concentrated on Charleston Sc and built about 35 homes in that market. uber competitive for dirt though they are running out of it and the city wont let you tear down homes in many cases because of historic considerations.

Lima One does verticle in many markets you can check with them.

Illinois--Single family house 360k asking- built-1920s-told that it will need repairs.

It's not a giant burden right now, but with AI and duplication posts, it's becoming much easier to spam overall.I still find the biggest 'issue' on the Forum is what we've already talked about - the failure of most new members to use the search feature before asking the same question that has been asked over and over again.

On a pre-1900 build I often see them filled with mortar, at least here in Milwaukee.