I.e. even though you need to submit draws for any rehab funds, you will get charged interest on the full amount each month.  

If you hire a PM, usually from what I'm hearing, Padsplit PM charges about 8% and some just charge a $800 per month flat fee because it's relatively easy I guess.

On the other hand, you stated that the management firm was charging 15% and had a 15k expense. 

How much do they charge?

Also depends if you are getting appraisal and what attorney charges for creating loan docs

Always charge market rents.

You can have a box of items that are free for tenants to take/use: toothbrush, toothpaste, charging cables left behind from other guests, sunscreen, unused earplugs, etc.

There aren't many things that "appear" to be leaks, they usually are leaks and if it's been leaking since May you are going to have way more issues to worry about than a premium plumber charge.

For example, one of the lenders I deal with requires at least a 700 score for "rookie" developers with no experience and requires a 25% down payment and charges 13% rate and 2.0% fees.

They were nice and didn't charge me the 10% penalty though.