These folks wont tell you not to pay them massive fees! 

Thats a great point about the HELOC fees.

Owners shop fees in the beginning, but once you're seasoned, you realize fees are usually about the same, and it's really process, procedure, culture, and communication that you're hiring. 

Primary $250,000 per spouse avoidance on capital gain.  

. - Taxes are on the higher side at $6,000 yearMy Numbers: $115,000 putting 20% of my money $23,000 and finance the rest with total expense of $1,834Monthly expense numbers: Future Maintenance 13% $273 - Vacancy 5% $105 - Property Insurance 5% $105 - Property Taxes 23% $500 - Property management 10% $215 - Office/Travel/Legal 4% $84 - Mortgage 26% $552 - Monthly Cash Flow - $316 per month or $3,792 per year so Cash on Cash = 17%I think this looks like it is a deal worth doing and I also believe I can bump the total rent up by $50 each tenant which I think make it even better.

They do not have to pay 25% per month.  

Example: If a business buys an oven and it costs $5,000, and $1,000 for installation and setup, and $200 of delivery and transport fee. 

Unfortunately, I don't think Texas has reciprocity with any other states.You can get a referral fee.

Appraisal fees should go to the appraiser, not to the lender.Legitimate real estate lenders always use neutral title, escrow, and closing attorneys, as appropriate for your region.

@Alec Jacobs I have basic low/no fee business checking accounts.