Prepay HOA fees, buy a home warranty, prepay some other kind of service that can go on the alta.

Are there Hard Money Lenders that still do Gap Loans with simple underwriting and low origination fees?

I see a lot of PMs putting in deadbeat tenants, then 2-3 months later they're charging owner to get them out and another release fee.   

.- Management Fees: 2% of gross rental income annually.- Acquisition Fee: 2% of the purchase price.- Disposition Fee: 1% of the sale price.Option 2: Debt Financing with Equity Upside- Target Properties: Single-family homes, multifamily properties, and land for development in prime locations.- Interest Rate: 6% interest only for a term of 5 to 10 years- Prepayment Penalty: 2% if the loan is paid within the first 3 years- Equity Upside: Investor receives 30% equity of the appreciationWhich option do you think is more attractive and why?

They seem to have a good set of comprehensive services and fairly priced fees.

I wouldn't worry as much about the age as I would what it would cost, how much it would rent for, how well it is built and when major repairs will be needed (ie how long will the roof last).Also for the two-are they both condos (ie strata/condo fees) or is one freehold and the other a condo (ie one has condo fees and the other doesn't)? 

Their rates are extremely high for new investors compared to other hard money lenders, and they include a lot of junk fees. 

Others may leave off various fees that aren't discovered until closing.

Paying brokerage fees etc to really only use it once or twice in the next few years?  

This will look at your gross income /your gross fixed expenses (Taxes, Insurance, Mortgage, Association Fees).