Quote from @Jonathan Blanco: Is it worth seeking lenders with $0 lender fees (such as origination, processing and underwriting fees) or do they just get that money by increasing rates and charging higher points?

Not everyone is very expensive, but some companies/people do charge a bit for this.

A good tax professional can save you more than they charge you. 

See who represents owners frequently in your jurisdiction and get set up with them.

Well, free of charge.

No biggie my bank sent me the fraud alert and I had them block the charge.

If so the carrier has the right to deny any/all claims you make or if they want to be nice they will settle the claim and retro charge you the premium you would have owed having the proper policy in place when you started renting it out.Talk to a legit local agent and tell them what is going on and get them to run down all the exposures you have and what you could do to best protect yourself for the best possible premium.

In my area, they charge transfer tax on the assessed value rather than the LOW sale price.

California charges a minimum tax of $800 a year per LLC, and more if you have gross receipts in excess of $250k.

The northland MAREI meeting and the main monthly meeting at MAREI have a minimal fee, or for $99 a year you can attend all of them for no extra charge - northland is in person, the main meeting is still online, both are great ways to connect and learn.