I think that letter, my original personality shows, which is not good.I will certainly morph my template to yours in the meantime.

Originally posted by @Martell T.

Right now its generally as little as 12.5 bps (1/8 of a percent) at most lenders so not really worth it.Regarding the terms you posted - I ran these through our sizing and they look in the ballpark of market, not much better or worse - with some assumptions, our pricing looks to be 8% flat with zero origination fee/broker fee and $1,000 underwriting for this scenario. 

@Bhushan Shinkre my bank does not charge if they originate the charge from their bank. i don't see apartments.com charging me.

When did your purchase and what was the original loan amount?

It wasn't original as kitchens built during this time were very small.

I originally used double A battery alarms because I thought it would be easier to swap out batteries (and I got them on sale). 

If you have an 20% down note at 7%, you’ll return 9% + 2*4% or 17% with leverage instead of the original 9%.

Originally posted by @Wes Blackwell:Now, you may or may not have been aware of all these strategies, but what's really important is that the point I'm emphasizing is HUSTLE.

Honestly, the screening part is the worst and effectively demands landlords violate fair housing by requiring that you evaluate things like evictions "holistically" (i.e. preventing landlords from having consistent policies that treat each applicant the same.That being said, the bill is better than the original version at least.