If there's fewer transactions, there's less opportunity for wholesalers to skim off the top.Also, wholesalers typically work with investors and with rates higher, investors have less room to pay for wholesaler fees when their net yields are already significantly compressed due to having to pay more for debt.

I had to put the amount of money up that our contract called for  just under 200k in cash and leave it in escrow.. took almost two years and another 30k in legal fee's but we finally prevailed..

I'm looking to lock in a good rate, with possibly no prepayment penalties, and low origination fees.

I would recommend a fee-only financial planner to help you run a financial and investment plan.  

You should be able to get some of the fees cut, etc.

Your current Lease and payment terms are recognized until [DATE]; however, moving forward, please send all payments, maintenance requests, and correspondence to the address listed at the top of this letter.If you are currently using an automatic draft, cash deposit, or other form of payment to pay for your residency, please contact your financial institution immediately so as to avoid any late fees and/or eviction notices.I have included with this letter a Tenant Update Form for you to fill out.

Start with the bottom line, then add back mortgage interest, property taxes/ insurance/HOA fees (assuming they are escrowed), and any noncash and onetime/extraordinary expenses, such as depreciation.

The money stays available but you are not paying interest, just an annual fee.

Especially if the competition has less fees.

Any other closing costs or fees or charges I have to consider.