You have to disclose all of this when you sell, so you will end up paying your plumber or discounting to your buyer.

You also need to consider that at a lower percentage of money down you will be paying a Mortgage Insurance Premium or MIP. 

both have 5yr pre pay penalty. 

I also am a member of the International Real Estate Federation, and can connect you with agents who are able to help with your purchase.  

People in 1981/1982 were angry they were paying 18% interest.

I was willing to pay a higher upfront cost and sacrifice a greater monthly cash flow to achieve these top two priorities.We landed on a SFR in Harvest, AL.

I will be managing and will be paying a real estate agent friend to show the properties for me.

You let it slide, waive the late fee, and she pays by the 10th.

Unless the borrower is self employed and takes a lot of expenses to show lower income on their returns then it usually makes sense to pay a couple thousand a year in higher interest (you can pay like 4,000 a year in additional interest for DSCR if you are saving 30+k on your tax bill kind of math lol)

We only needed to pay earnest money and a portion of the closing fees bring upfront investment to 12-15K.