I think you can go as high as 15% but it's cutting into your margins and depends if you are a GC yourself or not. 150k is close to a million or more.

I don’t understand how this isn’t a clear-cut case.

You need to get in touch with a lawyer as soon as you can and figure out how to cut off the tenant/landlord relationship.

I understand I'd take a pay cut being an agent for the first few years, but in exchange, I'd be learning about the market and building a network as I move towards Commercial multifamily.

While $50/month in cash flow isn’t great, it’s still positive, and cutting the termite protection could boost it to $125.

That would mark the third rate cut in a row, a full percentage point lower since they started cutting in September.

Hi Leah, Why not just work with your current lender to cut the points?

However, if it was a floating LVP floor, you should be able to relay the same flooring since water wouldn't damage the LVP flooring and you already have pieces cut to fit. 

I have a question and would really appreciate your input.I’ve done a couple of fix-and-flip projects in the past using hard money lenders, but I’ve noticed that their fees and interest rates significantly cut into my profits.

Their interest, like a real estate agent, is simply to churn incoming flows of money at a high rate in order to get their Commission and their cut.