If so id there a debit card?  

I also recommend separate checking and linked savings account with debit card. 

@Alex Jacobson hard to believe no CC or debit card. 

You can use flat fee listing services, or if you are a realtor, you can waive your portion of the commission.Also, when talking to a lender, they will be able to outline their fees, but it sounds like you are also including the establishment of escrows which is not a fee, but does effect the amount of cash required to close for the buyer.The other big one, that depending on transaction size and interest rate, is the prepaid interest.  

In the case of a real estate investor that debit is producing cash flow.

In the closing costs, I prepaid for 1 year of property insurance. 

I use a spreadsheet with a sort of double entry accounting.Each row is a transaction.Columns for:- date- bank account debit- bank account credit- property manager account debit- property manager account credit- rental income (credit)- other income (credit)- one column for each type of expense using the categories that the tax authority uses for tax returns (about 10 of them...all debits)- depreciation (debit)- accumulated depreciation - owner equity (credit)- a check sum columnEach transaction must have the same amount of debits and credits, and the check column does the math to prove it...and should always be zero after debit and credits are recordedE.g.

Here comes the BP cop again, LOL, just check those usury laws, points are considered pre-paid interest to compute the APR.

SIM can be from your carrier or a prepaid version - data only for about 25/year.   

house is age 1930. initial renovations cost, i got from different contractors. i think it came to $14k but i just around up few grandsclosing cost break down is below: (it high bc I am including home insurance & taxes for the year within closing cost) Application Fee $250.00 Loan Level Price Adjustment $4,453.00 Underwriting Fee $350.00 Appraisal Fee $600.00 Credit Report Fee $27.00 Flood Certification $9.00 Lenders Attorney Fee $500.00 Tax Related Service Fee $99.00 Title - Administrative Fee $25.00 Title - Bankruptcy Search $20.00 Title - Endorsement Fee $150.00 Title - Lenders Coverage Premium $1,026.00 Title - Search Fee $375.00 Recording Fees and Other Taxes $375.00 Transfer Taxes $1,875.00 Homeowner's Insurance Premium (12 months) $1,200.00 Prepaid Interest ($15.63 per day for 15 days @ 3%) $234.00 Homeowner's Insurance $100.00 per month for 4 mo $400.00 Property Taxes $112.75 per month for 7 mo $789.00 School Taxes $338.08 per month for 11 mo