To me, renting an apartment or a "normal house" would cost more and I'm ATLEAST getting rent towards ownership/equity.

LENDBASE has the following feesConventional:1% origination fee$500 doc fee (est)Title Work TBDAppraisal $2000-$3000Environmental $0-$2000 (depending on search) Which all seem pretty normal, but FIRST they require you pay them up front $4,000.00 to start brokering loans, it’s their "non-refundable engagement fee.”Has anyone ever heard of this ever?

Replace it with a normal fridge.

I think for MN specifically, a standard deductible of $5k to $10k is normal, and the wind/hail at 2% or $10k (whichever is greater) is typical for your area/state as well. 

My buyer was charged $4,000 by a company to try and get them a loan when it was pretty obvious they weren't normally qualified.  

I find that depending on the market $300-500/mo are fairly normal and if compared to what you would pay with a single family home on some utilities, maintenance, and management, it's a good deal.

Normally a Promissory Note would just be an I.O.U., and that's what the banks want people to think.

Lost Income- normally 18 to 24 months. 

Normal comp is 100-150 bps on volume for these roles if commission only and completely self-generated leads.

Normally, you would charge a cleaning fee (ex. $250), then refund them back the remaining.I don't understand why some people say you need a seperate account for every tenant, that's a bit ridiculous especially since banks normally require min balances, so you'll end up owing thousands to the bank everytime you pay back the tenant's security deposit.