Appraisal fees should go to the appraiser, not to the lender.Legitimate real estate lenders always use neutral title, escrow, and closing attorneys, as appropriate for your region.

Because Zelle requires more data entry I would explain with the new lease there will be a small and reasonable processing fee if the tenant kept with zelle but they can still use it.

Short term my credit score did take a hit, but once the promotional transfers were paid off, my score jumped higher than it was before.These days, the "pure" zero percent transfers don't seem to be around anymore as they typically charge a 3-5% balance transfer fee as part of the promotion, but this is still better than current HELOC rates.

Since the loan is still in your name, you can deduct the interest you’re paying to the lenderon your tax return... 

What's even more frustrating than asking the IRS help desk, is asking a Turbo Tax "Tax Specialist".

Your actual property taxes alone on that will be over $10K a year in 2025 and don't forget about that supplement tax headed your way.I would suggest keeping the others and maybe changing to LTR if that will give you consistent cash flows.  

Any pitfalls, hidden fees, or learning curves I should be aware of?

Embarrassingly, I listed our property with the usual $50 pet fee (which can only be $35 now) and asking for income 3x rent (which is now 2x).

Large syndication company, higher fees than most other syndicators.

Approximately 6-8 weeks ago my attorney stated he was unable to get the delinquent tax 'owner' nor the squatters served in this matter.