Quote from @Matthew Beninate: Quote from @Sarita Scherpereel: Quote from @Seo Hui Han: You may want to consider local banks / credit unions just because many of them will require or give you more favorable terms for things like HELOC's and other line of credit products if you have a deposit account with them. 

Never should you be paying 2.5 points on an FHA product.

It could be some sort of skill set for renovations, design for furnished rentals, specific market knowledge, owner occupied loan products for a house hack, etc. 

Quote from @Zach Howard: Quote from @Brandon Croucier: Quote from @Zach Howard: Quote from @Brandon Croucier: Hi Zach,There’s plenty of options to acquire realestate in the states.Your income does not matter as much as your liquid capital for a down payment, for foreign investors we are looking at 30-35% down payment on DSCR loans. 

All properties were bought rehabbed, rented .... 85% of the portfolio was  acquired during the golden years of '07 to 2016.

I ask because most who write similar posts on BiggerPockets are unable and I am sorry but  "A unique blend of benefits that are favorable for R.E investors who are sole proprietors" sounds like something a  fear mongering asset protection company will tell you before upselling the expensive and unnecessary asset protection product.

I only bring it up to say it can be done, even with a group that doesn't have a long history in that market (the two deals I mentioned were the first in the market to acquired by a Sumrok student).

You are likely overpaying by $5,000.Broker fee of $3,000 and Processing Fees of $2,000 seem out of place...but then again, i never used a broker to get a loan so I am not sure about that.If the broker was able to get you an interest rate or loan product that you wouldn't be able to find on the open market...its high, but likely fair.if you are getting a loan product that you could have gotten by going to a normal bank...seems high and unnecessary. 

The point of entering it is almost futile, the idea is to acquire it. 

@Derek Heinz you might be better off finding a major fixer-upper, getting a hard money loan (HML) to acquire it.