They provide the banks but that makes sense to me since they are doing so many units if everyone did their own banking it would be a nightmare all around.Also, I suddenly had a couple of unexpected situations on my end in the middle of the transaction and they are working their tails off to counsel me and help me. 

@Sam Leon -I should add that I wouldn't be surprised one bit if things like what you're saying could be correct, that certain areas of the USA could hit downturns, even mini-crashes in the REO market, or even the overall markets as well.

I'm not surprised.

Also, you may want to make sure you have a buffer in place for any surprises.

And to My surprise it worked!

OK, the question: when I received the bill, from an investor perspective, I was surprised, because seriously, wood repairs?

Yes, I was pleasantly surprised at the cost of it.

Frank is forgetting selling costs, carrying costs, purchase costs and unexpected costs.

@Patrick Chu , saw the plan a while back, and not surprising they are going to float debt backed by the collateral..

You'd be surprised how people can come up with a deposit when it's required.