It cost me 240 bucks a year to join and they wanted me to pay extra to shop my deals in front of the room.

@James H. speaks the truth

I risk some calamity with the economy, etc. if I hold off, but I expect to make an extra 15K or 20K (if the appraisal doesn't screw me up) if I wait.

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Our current plan is to just apply all the net rents (cash reserves already established)and all the extra money from our paychecks to pay the debt off in about 12 to 18 months.

If top is ajar and extra bag on the side - 3-cans.

I mean, we could all just chug money into our 401k's and let Fidelity or whoever control our retirement... most of us are willing to do the extra work of being a land lord or RE investor to boost our returns... by that same token, why wouldn't we be willing to be a bit more geographically mobile in our investments to further boost those same returns?

(use the TILA - Truth In Lending Act) which shows you the APR for your loan, this is inclusive of fees and charges and is designed to provide the consumer with a comparison tool.

If they caused a problem, they should fix it or pay if someone else has to do it.Sounds to me like you've bought a property in poor condition and the PM is nickel and diming you for a little extra every month.

If in-house, perhaps offer to pay extra to get it expedited (with the terms they're offering, paying an extra $100-200 for the appraisal is still reasonable).I don't think 45 days to close will kill your ability to find REO deals, but it may keep you from getting the "hot" deals that tend to get scooped up in one day.