It was a standard loan.

Charlottesville permitting is usually a nightmare and I can tell you that if you are trying to do something like that fully up to code then the city's standard is going to be more or less the same as a normal house/structure.

. - inferring the brokerage would have direction of what sellers set prices at via internal ai. - Inferring a system of discriminatory practices in who/how/what offers can be presented sellers. 

That's pretty industry standard. 

While it's true that if the seller entered into a contract with a new buyer and wanted the same title company to provide escrow and title services that title company may want the release signed for their own internal audits, there would be no reason seller and new buyer couldn't just retain a different title company to handle the job.

You'll have your standard recording fees and mortgage tax, etc. 

This area of banking could do with some standards. 

@Denise Lang some copy & paste thoughts:TYPES OF RENTAL INVESTMENTSRecommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

All those states' metros are going to have a relatively tough time "cash flowing" with minimum down and standard LTR.  

Is that a national guideline or is that just more local bank conservative standards?