I am curious if the fees I am being presented are in line with market norms:lender app fee: $10,000Origination fee 1% ($20,000)Lender costs: shows a fixed amount at $10,000processing fee $895registration fee $10,000Title and escrow fees: $4,000 est.6.5% rate fixed at 10 yearsPrepayment Penalty: Yield Maintenance months 1-114 (1% minimum)Third Party ReportsApppraisal Required Engineering Required Environmental N/A Seismic Report N/A Market Study N/A Funded EscrowsReal Estate Taxes Required Prop/Liability Insurance Required Special Assessments N/A Ground Lease N/A Replacement Reserves N/A Required Repairs TBD Debt Service Reserve N/AWould love to hear your thoughts on this as well as what you think is appropriate fees for the freddie mac sbl program. 

Appreciate it Bruce, I'm mostly interested in cash flow and appreciation, buy n hold for now.

@Gabe N. - I usually like to see that gross income is 3x the rent, no prior evictions, 650+ credit.

Here's my advice based on an 'n' of 1:- in my case, Insurance company agreed to pay 33% over asking price.

https://www.zillow.com/homedetails/1409-N-Hill-Ave-Pasadena-...If vacant this could work. 

N/a.

I'm leaning towards fix n flips as these make the most sense to me conceptually so far.Anyways I did a forum search for "Vocabulary" and that's how I found this thread.

Also quality of life and social demographics could not be farther apart from N.

Two areas to consider are Delray Beach and Hollywood.

Fix n flip loans for value add, then sell or refinance into DSCR.