I guess the only good thing about a prepayment penalty is that is is considered prepaid interest on your 1099 statement which may help with tax deductions.

Was supposed to close today finally but learned that 1. the lender suddenly changed three days ago, and the closing costs including pre-paids are over 13k.

Get as much understanding and disclosure as possible on the closing fees and escrows that will show up on the settlement statement - including stuff like prepaid interest ("stub interest"), tand and insurance escrow holdbacks, etc - biggest pitfalls we've seen are people not 1000% clear and aware of these things then getting very negatively surprised at the day of signing 

If you do, use a prepaid card that you don't mind being attached to your account.

I’ve had tenants that stayed for 10 years, prepaid rent 12 months in advance, and were always upbeat, happy and understanding.  

Here is the breakdown: origination charges, appraisal, title fees ($4.3K), taxes and other government fees ($4.7K), prepaids including insurance, interest, taxes ($2.9K), initial escrow payments ($1.8K), other including realtor admin fee and owner's title insurance ($500).3.

(Typically estimate between 2-3% of the loan amount in closing costs: appraisal, credit report, points/origination, underwriting/processing fees, title fees, prepaid taxes and insurance etc)I am sure there are others I am not remembering

On termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of all rent, and subject to a landlord's duty to mitigate, all charges as specified in the signed lease agreement, or as provided in this chapter, including the amount of damages which the landlord has suffered by reason of the tenant's noncompliance with section 33-1341.

So what i bring to the table in my Journey:Flexible job that makes me available throughout the daysTruck and Gas pre paid forSome Cabinetry and Trim experience  10+ years dealing with subcontractors as Project MangerSome investment capital on hand 20-30KI guess my overall feeling would be to network with like-minded people that possible could bring other contributions to the table (knowledge, capital, etc.)  

Most PPP are either 6 months of interest (typically on 80% of the original note balance), or 1/2/3/4/5% of the balance that is prepaid.