I found SunWest Trust and while I don't mind the initial $500 setup fee, I'm not thrilled with their $200 annual fee for doing basically nothing.  

I've actually done the same thing with washers/dryers that I provided as a convenience to the tenant because I had extra ones.

For serenity, stroke the check and chalk up the little bit extra to shared appreciation.  

Time will tell if they are worth the extra expense.

I don't cashflow in my owner occupied duplex... but I just about break even giving me extra money that I would normally be paying in either rent or my full mortgage.

House also doesn't have operable A/C...so I don't see any extra motivation to get this done "in the near future" with sweltering AZ heat. 

She had some extra furniture in storage that we paid to use for a short time.

Frankly if you have extra money you can keep that in the bank as a safety net until you feel comfortable enough with the income from that rental to then buy a second property.Most of my clients purchase with a loan but then as they generate income the revenue is put back into the property, through either improvements or paying down the mortgage. 

The clause mentioned is a prepayment penalty, where an extra percentage is paid to make up for it. 

I am thrilled to have found this site, it's funny i have never seen it before. looks like a great hub for investors.