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

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.

If you were managing a property and these two issues were on a tenant call back, would either have been charged to the owner?

If tenant wants to pay and stay, they need to pay everything owed including late fees, non-sufficient fund charges from the bank, and the eviction filing costs.You can stop issues like this by only accepting certified funds after the rent is late.

I figure you could charge the tenants a base rate for electricity every month and that goes to paying them off.

E.g. if my property manager would charge one month's rent in order to find a new tenant, in addition to the lost rent while the unit sits empty plus the turnover costs (painting, carpet cleaning, etc), shouldn't vacancy rates be padded even further?