There are work arounds to save money but it's always property specific solutions. 

Pick one that is commenting on your specific situation and DM them.

If that person is an employee of one specific bank/lender, it's common for them not to have any idea which hits are "their" hits, and which come from Fannie Mae, since they only ever see the rate/fee schedule from the one place they work at, and they aren't typically labeled that way, it just says "2-4 unit cash out:" and lists the amount of the hit in basis points, without specifying from whence it came.

That is a great profit margin.

To help, I used Excel to forecast the future value (FV) of both options: 1) leave existing traditional rollover IRA in-place or 2) liquidate the IRA, paying the 10% penalty and 33% marginal Federal tax hit.I'm 15-16 years away from retirement and computed the FV of both options over that timeframe.

Newbie here and looking for some specific advice on investing in our first STR:*How can I find a mentor? 

To find specific lenders I always recommend speaking with other investors in your market first.  

We specifically talked about trimming the tree in the left from corner, but trees all over need to be trimmed.

For example , when I started I targeted Warrendale (5000 and 6000 blocks specifically) due to the close proximity to Dearborn/Dearborn Heights area.

And remember, consulting with legal and tax professionals can provide tailored advice for your specific situation.Happy to chat more if you have any questions.