.- Loan Structure: Define your lending criteria clearly—interest rates, LTV ratios, fees, and terms.

We negotiated based on the property's existing condition and potential post-renovation value, successfully securing a favorable deal for both parties at $100,200, enabling us to unlock its hidden value.

Scenario 1:Rate: 9.375%Monthly Payment: $1,185.31Closing Cost: $12,768.53Broker Fees: $2,417Lender Fees: $2,170Cost to Buy Rate Down: $0Escrow Fees: $2,797.501 Year Hazard Insurance: $1,044Impound Account: $1,598.04Appraisal Fee: $500Down Payment: $48,000 + $10,526.54 (30% down + closing costs)Total Cash to Close: $58,526.54Scenario 2:Rate: 8.875%Monthly Payment: $1,144.87Closing Cost: $12,768.53Broker Fees: $2,417Lender Fees: $2,170Cost to Buy Rate Down (1%): $1,120Escrow Fees: $2,797.501 Year Hazard Insurance: $1,044Impound Account: $1,598.04Appraisal Fee: $500Down Payment: $48,000 + $11,646.54 (30% down + closing costs)Total Cash to Close: $59,646.54Scenario 3:Rate: 8.625%Monthly Payment: $1,124.87Closing Cost: $12,206.54Broker Fees: $2,417Lender Fees: $2,170Cost to Buy Rate Down (1.5%): $1,680Escrow Fees: $2,797.501 Year Hazard Insurance: $1,044Impound Account: $1,598.04Appraisal Fee: $500Down Payment: $48,000 + $12,206.54 (30% down + closing costs)Total Cash to Close: $60,206.54Scenario 4:Rate: 8.375%Monthly Payment: $1,105.03Closing Cost: $12,768.53Broker Fees: $2,417Lender Fees: $2,170Cost to Buy Rate Down (2%): $2,240Escrow Fees: $2,797.501 Year Hazard Insurance: $1,044Impound Account: $1,598.04Appraisal Fee: $500Down Payment: $48,000 + $12,768.53 (30% down + closing costs)Total Cash to Close: $60,768.53Which of these options do you think is most suitable, given that I plan to pay off the loan sooner rather than later?

Focus on getting the place ready for the next tenant.For expensive things, I wonder if putting baggage trackers on them in a hidden location would allow you to locate them if they 'walk away' from your property?

Probably not, without a fee. 

You need to charge a holding fee.

Additional considerations include holding, closing, and assignment fees.

Adding money to the loan for fees does nothing to increase the value of the home 

Purchase price is 200k loan balance is 155K on mortgage statement but with the HUD loans it would add up to 177k including entry fee that would put PP at 200k Technically they are saying I'm only paying on the 155k the other remaining HUD loan that equal to 24k that is paid 2051 or when refinancing or selling this house 

Loan Balance $295,000Loan Maturity Date 11/1/2051Property Specifications:SFHBedrooms 4Bathrooms 3Square Feet 2316Year Built 2021Garage Size 2Schools Rating (scale 3-30, 30 is best) 18Lot size (sq ft) 7,631.0Purchase price: $330,000Market Value: $350,000Estimated Financial AssumptionsMonthlyYearlyRent (upper)*$2,350$28,200Rent (lower)*$2,250$27,000Property Taxes$425$5,100Insurance$200$2,400Repairs$65$780Property Management Monthly (%)0.00%Property Management Monthly ($)$75$900Leasing Fee$95.80$1,150HOA$146$1,752Vacancy Rate4.00%Total Fixed Expenses$1,096$13,150Total Expenses (Fixed + Mortgage)$2,620$31,437