So, now it's November and snow will start falling and there will be even fewer buyers in that area (the prime market to sell is April to August) so I'm facing a dilemma: do I rent the place out and start getting a steady cash flow or do I hold on until spring and hope to sell it for enough to break even or earn a little profit?

Maybe you need to take a break, find some hustles to increase earnings, and save up for the next investment.

If you feel they are earning their fees then they are providing value to you.  

After meeting, emailing and talking, a relationship was established which allowed to ask if they might be interested in earning a higher rate of return... and there it goes.

I own my home and started the process of converting my backyard shed into an ADU to earn rental income.

I mention this because if that $1,000 less is box E, F, and G stuff, that just means the other lender is quoting unrealistically low to 'earn' your business, and the Tax Man's going to come after you for the shortfall one way or another later on.

@Devin Mills...the pros/cons of paying down the 4.25% mortgage (in your case 15 vs 30 yrs) were recently discussed here:https://www.biggerpockets.com/forums/48/topics/443301-why-not-snowball-the-debt-on-real-estate-investments(yours truly would recommend the 30yr mortgage because you can earn more than 4.25% on your next REI project, rather than paying down debt).

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For example if you're working for a big corporation in their real estate department and helping them buy and sell property, they don't want you to get paid by them, and earn commissions or referral fees on the side while that happens.My suggest is you figure out exactly what job you want to go after. 

I totally underestimated how much work that would be and even though I would not want to miss the experience, it was a huge time sucker and did not make much money - I respect builders now a lot more: it's a though business to earn a decent income!