It's only natural to pass these costs on to the consumerSome costs used to be hidden from the borrowers and baked into the interest you pay.

I took your advice to mean they are only getting paid on their fees, not the rate charged.Lenders make their fee 1 of 2 ways typically.Lender paid compensation= the lender/broker fee is baked into the interest rate (most transactions are done this way but it makes it difficult to understand the actual base rate of the lender because they may charge more or less than other lenders so the comparison is not apples to apples).Borrower paid compensation = the comp is paid directly by the borrower as a line item in Section A.

Love to hear it! 

What’s everyone’s thoughts on condo complex where they manage everything for you (all baked into the HOA), vs buying somewhere where I could just Airbnb myself?

We tried vinager with baking soda twice.

Since its a flat fee, I bake it into the rent.

But do the rates for these places have those fees baked in?

The amount you can use for closing costs and rate buy downs is limited, so that leaves you with the majority of the credit for "upgrades," like finishing the landscaping, building a fence, installing sod, a sprinkler system, planting trees, buying appliances and installing blinds, etc. 

Baking your own bread is not free, because you had to buy eggs.

Jerryll has built upon Carrot to really find new and creative ways to bake in credibility on a site at every turn.