The way I look at it, it is investment specific, based on what you think you will need in the next few years That could come from cash, or cash equivalents, or if you can afford to make the payments, it could come from borrowed funds.

Cleaning fee should be based on cleaning the whole house.

The home loan was based on your combined borrowing power.

- What are the downsides for the landlord, compared to a traditional residential lease to a family for instance?

When calculating cap, and other deal analysis criteria, none of them talks about how to assess the property in terms of its appreciation based on structural quality such as brick exterior versus vinyl.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Labor and materials, the all in cost.Looking for a total estimate, for instance $1,500, not $ per sq ft.

Us bank played trustee and guarantor in sham of a foreclosure where they could not prove they were a PETE  and had been hit with their 4 the ftc sanction FOR stealing homes, used hole in the wall attorneys in Bellingham using typos in name and address to not get flagged for too many foreclosure by the courts, Windermere stellar real estate who say outside of my home waiting to lock me out despite supreme court stay on their theft, judge Lewis who signed every Forged/inaccurate/misleading  paper they put through AND denied my restraining order of the real estate company staying called them to see if they were harassing me and they Said no so denied temp and all together day in court altogether plus put a no Bail hold on me after looking my arrest for trespassing even though was taken out of his jurisdiction and in federal court staying paperwork not filed correctly then laughing saying I didn't know why You're here is in supreme court when I got out of jail and made it to court hearing, the assessor for king county who was on third foreclosure company because feds kept shutting them down so opened new one in different name, every process server was at least 200 miles from me and each one different for each document never served to me but judge Lewis signed them anyways(one was supposedly served to me 3 months before case was even filed), Vancouver Police department who had no jurisdiction on the civil matter that arrested me and gave my house keys to the realtor that was sitting outside waiting, and finally to the site veteran that they used to sign in all three places to transfer title and get veterans protection for title after 2 illegal auctions, one public one private, where they were only bidders and opening bid was above value of house, paperwork stated was bought by lsf8 AGAIN!!! 

I would not play around with creative finance in terms of spending time trying to find it because it will end up not being the best use of your time unless you have marketing money and understand the different scripts and way you can help people with seller finance or sub to.

However with an investment specifically you could charge 4 points and be alright compliantly depending on the other fees since there are other factors at play.2.