I'm typically all in after fix-up/renovation at 45K to 85K and they rent from between $850 a month to $1050 a month

Typically, all services that PM does will have a charge, as that's the only way they make money.

Now, I typically only use them to skim stats on reviews and the more basic items. 

Has anyone with experience of multiple valuations in Portugal got a view on whether banks typically under value their valuations as a norm or not? 

The average company only survives for ten years, while even large companies typically last just 18 years.

For a partnership where you're providing all labor and the broker is funding the deal, a fair split typically ranges from 30-50% for you and 50-70% for the broker, depending on the value and complexity of your labor versus the financial risk they're taking.

In Canada you can typically prepay whenever you wish and, provided you do not exceed the annual "prepayment limit" under the conditions of the note, you will suffer no penalty.

(Banks typically want to see 1 Year+ leases).

Cutting to the meat of the situation, I came across a property that looked like a fixer upper, typical investment grade property.

Investors typically want a steal of a deal, so even 25% off is typically not enough for me to even stop....50% off market value starts to get interesting.