In the span of 2 months we've put in over 25 offers on houses through her.

Look for the blend rate over a 12 month span.

I think you really nailed the time span for each possibility.

I am a bit lost....Perhaps it is because my reading comprehension and attention span both need work :D

My lenders always give me the construction funds in 3 draws across the span of the rehab.

So if your roof has a 20 year life span but it is 15 years old, you can't expect 5 years of your "50%" to pay for that.

But the attention span of people is short.

@Zeshan Choudhry when sending out direct mail a great message/ call to action along with consistency is key id send out your 5 mailers over a span of time then calculate your response rate/ closure rate.

My credit went from 640 to 780 in that time span.

If it were me and I were looking at the 20 year span of holding this property in this current financing, I'd look at the cheaper loan as being an advantage for 12 years (2 years for the cheaper fees to catch up to the cashflow difference and 10 years earlier payoff) and the more expensive loan as being an advantage for 18 years - i.e. 18 years of higher positive cashflow.In the end we're really talking about nominal amounts here but as a matter of principle, I always keep my eye on long term cashflow.