It took more time and back and forth communication than was needed, and compared poorly with other refinancings we have gone through.

HUD and Agency financing is another beast compared to conventional or non-bank lending (Secondary Market).

Just don't make the mistake of comparing what someone else profits on a role, to decide whether your compensation is sufficient or not. 

The 2nd person really liked the house and even mentioned how nice the rehab was, relative to comparables they have seen.

Confirm that the warranty applies to the type of property you own and consider whether the annual cost and service call fees make sense compared to just handling repairs yourself or using your own trusted contractors.

If dropping your rate $100 below others at comparable offerings in your target market kills your cashflow, you may be in too tight of a deal anyhow.

Quote from @Alecia Loveless: @Jorge Caceres When we have to include heat in our rent we just raise the price accordingly to the max comparable amount that other similar units are getting.

A simple baseline plan might’ve steered him toward properties with more reliable maintenace histories or a stronger neighborhood profile, saving him a lot of sweat.

Any kind of non QM financing will have higher closing costs compared to conventional.

Again, on the flip side, the brokers on our list who have been around for a long time (a decade) have become quite reliable.