Their rates are extremely high for new investors compared to other hard money lenders, and they include a lot of junk fees. 

 $525 is still really high compared to $300 before the spike.  

I was just looking for credit unions to compare the differences between what they could offer vs DSCR loans since I hadn't before.

Wholesalers and RE agents have a very similar goal: Identify homeowners who are looking to sell their property.In my opinion, agents can service a wider range of potential clients when compared to wholesalers.

Note: I have no clue who this person is and have never done business or invested with him, but usually when there are a few people who come out of the woodwork, that is just a very small number of people compared to the numbers of people impacted. 

Understand the fees involved and calculate the total cost for an entire year of management so you can compare the different managers.

I also look at other online sources for comparable rents and try to make sure that I don't fall to the bottom 50 percentile.

Then you have to take responsibility for maintenance.You can rent a comparable home for $3,000 and the landlord handles maintenance.It makes sense to rent for a year or more until prices balance and you can save $1,000 a month towards a down payment in the future.

I normally look to buy units at a 20-30% discount compared to the area and develop a business plan to create equity via forced apprecation, primarily on commercial properties (5+ unit multifamily).

But I've bought now 4 houses in my life (a small pittance compared to a serious 'investor') - so I come at this Q from the 'retail' side.