No need for a PMS with only one.AirBNB and VRBO can handle things for you.In the end you won't save much time with only one STR.Plus, personal correspondence really works well to boost those 5 star ratings. 

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

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. 

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

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 . 

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

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

william penn bank does not have that product any more. 

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