Meaning paying all fees.

Many factors go into the decision on which house to buy, and I’m not referring to number of bedrooms.

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. 

Overhead/maintenance will be more expensive, make sure you factor that in.

Below are all of the factors that play into these projects and why I have a hard time calculating a true and fair return % on them.- These projects are separate than unit interior renovations (most of these properties had units renovated 7+ years ago and that was easy to measure).- I want a market adjusted return/yield.

I'm looking for one that offers great travel perks, lacks annual fees and foreign transaction fees, and has a physical location.

@Mark Walker there should be multiple loan types available for each asset type, but deal factors are going to affect what lender you could potentially go to, as well as what you're looking for. 

The headache factor. 

There are issues with some lots, that they won't pass the perk test and therefore are unbuidable, and unbuidable because means they have little value.Many lots also have unpaid delinquent taxes, so that's another caution, and some lots have HOA fees which can be hundreds or thousands if unpaid for past years.

However, their contract language is a determining factor whether I'll use their service or not.