Yeah, it makes it harder to determine which of the big listing sites that impacts you.

This will impact your costs and time commitment.Risk Tolerance: How much risk are you comfortable with?

The shorter the prepayment penalty period, the more it has an impact on the rate.

Consider adding this cost into your annual expenses, as it directly impacts your ROI.Incorporate Your 401k Loan Payments:Treat the 401k repayment like any other loan.

Did you notice which of your updates made the biggest impact on your final sale price?

Shop around for debt to see what is available and model the various structures to see how the different terms impact performance.The tradeoffs will be fixed vs. floating rate, conventional vs bridge vs CMBS vs bank vs agency. 

Overall CoC would be 4288 / ($8,735 + $7,976) = 26% +/- a few basis points account for cost of capital.By adding just one more investment we see a 6% increase in total CoC with only a 4 month additional lead time to full collection (negligible impact from time-value of money) and a ~6.5% increase in yield for the subsequent investment.Final ThoughtsFollowing the math suggests that doing more short-term investments makes the performance metrics exponentially better over time, and on their own their own they are still akin to modest although not Earth shattering returns.I add these details from the context of being a Tardus client for the past year.

Fees can certainly impact how the "true split" really looks at the end of the day.

I find it continues to impact their algorithms as they continue to figure out how to attract hosts and guests and it further proliferates and already saturated market.  

Just remember to factor in management fees, vacancy rates, maintenance, and capital expenditures, as these can really impact your cash flow.