Quote from @Shayan Sameer: I would reach out to a couple lenders see if you can get some competitive rates and also see about the points too that they are charging..

So we were charged about $250 more than usual.

Then they'll charge an additional $2,400 for filing tax returns. 

I'm constantly juggling the rates for my Airbnb listings based on what my competitors are charging. 

So, once more, please clarify how many lenders we work with and how much we charge for them to buy our leads (hint hint, there is no answer here as this is not how we work).

The AMC charges a fee on top of the appraisers.

Are you not charging the guests a cleaning fee?

Duplex can always add additional units via the ADU laws. 8) Related to number 1, purchasing a property with an existing ADU is cheaper than buying a property and adding an ADU.

I have yet to have one late charge added to a tenant.   

Denver is very expensive for a new guy who doesn't have loads of capital so a market like Missouri for example is intriguing for far cheaper real estate but then Id either have to move, improve the property remotely or simply buy and hold as a rental for X time.