Check fees, as agencies usually charge a percentage of what they recover.Thank you! 

However, the percentage varies based on factors like location, property age, condition, and expenses such as taxes, insurance, and interest rates.

What would you suggest as a number or percentage after the refi/sale that would make sense for the lender?

We calculate rent plus all debt payments as a percentage of gross monthly income.Our underwriters strive to analyze and balance all the information above to determine the statistical likelihood of a tenant paying their rent on time.ApprovalOnce an applicant is approved, we require a nonrefundable Holding Fee to make sure they are serious and don’t change their minds.

A Heloc can never be used as a PITI reserve, or an asset instead its a debt burden and an additional trade line on credit.A Heloc carries a higher risk when it comes to security meaning if you miss a payment even by mistake or for any reason, your scores drop, or your balances start to change your DTI or usage percentage.

Normally, it's offered to the other partners first and they can either both buy it to equalize the partnership or maybe one can buy it to take percentage ownership.I think you could handle this through a real estate attorney easily.

Say, I bring 250,000 or 500,000, how much or what percentage is useable? 

The only reason I dont suggest those right away is because if it's your first prop they wont give you great rates or percentages. 

Knowing that someone who can afford a $500k house, can often also afford a $600k or even $700k, house, and will want more of everything (better location, bigger house, better finishes, etc).As for number 1, not even just paying it all up front, but working with any contractor that wants "percentage" draws.  1/3 up front, 1/3 half way done, 1/3 at completion.  

Is the new percentage of commission worth it?