million in addition to their investors (who expect a reasonable rate of return) by keeping the rental rates at a fraction of the market rate?

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

When I ran the numbers compared to US real estate, the added leverage potential here meant that it was not worth the additional hassle to continue investigating Dubai. 

The $200 you spend will help with your learning curve which you do not want to get from the CPA at $350/hr.

If you are setting aside funds for capex, taxes, insurance, or other expenses that don't occur monthly, transfer those funds to Savings each month and hold them there until it's time to spend them.

In addition to the interest of the loan, you'd also be paying this as well. 

We look at lenders (so long as they lend in the asset class you are considering) as an additional line of due diligence (they deeply care about their money and they are likely more sophisticated than you are).

Why ask: Get clarity on the full cost of the program, any additional fees, and what’s included.

Option B who cares don't spend your time vetting deals for a premium put it in a CD or index fund and go make more money.  

I heard that less than 20% down causes additional insurance fee?