Be that as it may just be extra thorough with the deal.

Step 1: Get a job earning X amount of moneyStep 2: Get a second PT job earning Y amount of moneyStep 3: Get a third PT job earning Z amount of moneyStep 4: Wake up earlier daily, grind as many hours as you can, go to bed, repeat...Step 5: Figure out how to live off W (less then you earn)Step 6: Open a savings account and put your savings into it (X+Y+Z)-W= S (Savings)Step 7: Listen to positive people daily who are motivating.

Account Fees - A company must charge fees for their business to remain operational , however you shouldn't have to pay extra for expediting investments, transferring funds, conversions, etc. 

Again... some of these extra expenses are mitigated if you owner-occupy. $3000 for closing costs seems low.

This can kill corner lots with extra frontage. 

I would be also looking into reinvesting the earned cash flow therefore continuing to make business if I have a positive relationship with them. 

However this can result in extra fees hence increasing money to the City.  

I can deploy 5 figures per month extra against the next crummy commercial loan I have over 6% if I want to, or invest elsewhere.

I'm starting to model some much more sophisticated scenarios of buying investment properties, but before I even got too far into it, I began modeling the impact of inflation on your paycheck and personal expenses.For example, I ran four different scenarios.No inflation on your paycheck and personal expenses: the $5,000 per month you earn is still $5,000 per month 40 years into the future.

No deals, no extra payments (because you haven't used the line).You only want to increase your debt in a primary residence in two cases. 1) You make more money than it costs you.