Also, I ran a market analysis and learned that the current owner was charging half of what she should have been charging in rent. 

@Ali Boone , I believe if Prop 10 passes cities would be able to limit what landlords could charge even if a tenant moves out, which would be really bad.

I think the rent is already pretty in line with the market, but of course my property taxes go up a little every year, contractors charge more, and my HOA fee did increase this year as well.

Read books, read these forums, listen to podcasts and save yourself the $20k they want to charge you for all the same information

I think the analysis still holds true, but you have some emotional stuff in there also, which is hard to quantify.

If ARV is $103, then you charge then $105,000, if not more. 

For example, if a delayed release is being recorded for a lien on title, the SB2 fee would be charged to the seller since they are likely paying the release recording fee. 

The $1500 in origination charges isn't the profit center, the sale of a fresh new mortgage for $10k on the secondary market is where the profit is, that $1500 is small potatoes.No reason not to call your original loan person. 

Good news is - you don’t pay more for a great lender typically because banks pay a ton for advertising, and great lenders are referral based so they can be competitive, and be compensated well without charging you more.  

It's a racket that I think core logic developed to charge lenders.