I think my fees are high until I shop around and then I am thankful. 

@Loren Souers I'd have to run the specific scenarios with the rates and fees, but if you're OK with paying the higher closing costs, the Mortgage 1 deal looks good, particularly if you focus on CoC returns.

She came back to me and asked if I would pay her 50% of my cleaning fee if guests cancel within 48 hours.

The issue I see most is the cashflow gets crushed by HOA fees and the added headaches of having them tweaking rules etc. 

They will be really happy because they can get into a house with a lower mortgage and you don't have to pay realtor fees.

I never got the consultation, but was politely told my portfolio is probably too small to pay their annual fees (starts at $2500 and goes up).

One of the side benefits is that I can avoid the whole draw/inspection process (not overall inspection, just the ones tied to the draws) and don't have to worry about draw fees.

-Ray (see above) is the man and can get you hooked up with great rates and low-fees!

The interest rate and loan term remain unchanged.Fees: Most lenders charge a fee for recasting, typically ranging from $100 to $500.

I borrowed $30k on a personal loan from Discover for 15% with no fees for a plot of land and paid "cash" for it.