But in effect they're the same and yes it's common.Generally the only way to avoid points or an origination fee is 1) going directly to the lender (no broker/intermediary involved), and 2) have an established relationship with the lender. #2 could mean either that it's a HML you've done several successful deals with, who cuts you a break and eliminates the points, or is a private lender who isn't real estate savvy and doesn't even realize points are common.It's basically the same with lending as it is with buying houses: The more work you personally put in to make the deal happen, the better deal you'll get.

Why, because say you change the window glazing and it effects the exterior wall value.

IF the original lease is still in effect, contact the original tenant and let him know he is liable and you intend to hold him accountable.

Is that date still in effect? 

Many folks seem to want to hold right now until we wind down from COVID-19 and are able to see the true effects on real estate investing.

It feels terrible every time, but it's effective.

I'd say, for pre-screening tenants on a first call, this could be pretty effective as you're just looking to have 4-5 questions answered and anything additional that the tenants want to know can be answered on your follow-up call.Other inexpensive options for VA's can be found in Facebook's marketplace, Fiverr, Upwork or other online sources.Best of luck to you moving forward!

And what your goals are.I.e. the longer you hold, the better your multiple but typically the lower your IRR.And of course, will the "repairs" improve the value/rent potential of the property, or is it maintenance like a roof, that costs a lot but has marginal effect on value.

This kind of legislation to put the entire nation under one landlord law overriding local laws and the effects it has on the local economy. 

@Ellie Perlman Thanks for sharing this, it is interesting to see how COVID-19 cases, unemployment, industries, etc. have all effected the rental industry.