For comparison purposes, do not pay too close attention to the pre-paid items or the escrow portion of the fees as in the end they will all be the same, just figure out who has the lowest Lender/Title fees and then once you narrow it down, have the LO's explain the escrow portion, I say this, because a newer less experienced LO will "just let the computer figure it all out and a lot of times on the estimate they will just use generic figures like 6 month taxes and 6 months insurance, however, this is not going to be accurate, these should be based on when the next due date is and a reasonable pad (2-3 months is standard for this pad).

Though I’d rather not generalize, I am qualified to say that many property managers pad contractor estimates in order to make extra income when managing investor properties.

I hate that I have to hover my mouse to go into categories.I agree with everyone that is saying the Newbies posting the same topics over and over: What accounting software, what property management software, how do I wholesale, do I setup an LLC, I am new so I am looking for a mentor, and so on.

And with REITs, you can have real estate exposure with a few clicks of a mouse. 

If we are all busy hating each other, we won't notice that the politicians are exploiting us and padding their own pockets.

@Cindy HughesYes, it's usually a good idea to pad and carpet the second floor.

What will you do if someone says they saw a mouse or roaches in the house? 

You have a great launching pad.

If you are wholesaling this and are going to do a double close vs. an assignment, you have to look at the acquisition fees as the cost of doing business, and pad your wholesale fee accordingly to absorb them.Are you sure about the $10K rehab number and the $85-90K ARV number? 

What's not billed directly could be padded in a bill for something else ("free" inspections but they add an hour of repairs somewhere...).