Debt service ratio loan I can't guess as you didn't provide rents, loan amount, taxes and insurance and any HOArate shopping is near impossible when you need to disclose: middle mortgage FICO, property type, you can or can't qualify with IRS returns past 2 years, have some reserves and how many months, location, loan to value you want... and other factors.Suggestion: prepay is a huge cost, try to buy out of it upfront to be flexible in the future.Rates are a moving target they change a couple times a day, and come in increments of days (15 30 45...) 

Due to Covid, deliveries are slower and prices are higher, so you need to shop around aggressively.

I shopped and found Luther Burbank Savings, a bank I never heard of, got the loan for 4.2% with a 1.7% penalty for the first year and that loan was amazing.

I would love to grab coffee and see if I can help you in any way or connect you with others who can.

No professional photos.Photos not staged properly (clutter, beds poorly made, etc.)Underpriced, especially for events and holidays.None of the small things that folks notice and mention in reviews, such as bedside chargers, noise machines, well stocked kitchen, local coffee & snacks, etc.

I would shop around.

Shop around for rates though mid 3's is high right now should be able to get that down a bit. 

Call them out on it.One bit of advice to anyone when shopping loans, always get a quote with estimated closing costs.

If you are ever in Mankato hit me up and let's get some coffee and chat real estate.

We replaced one old hot tub and the fellow that came and hauled away the old one said he got it back to his shop and it was "full of snakes.""