There are so many options for LVP now, from lower priced to higher.

Essentially lower my taxable income by $117k?! 

With rates in constant flux, you might have opportunities to lock in lower ones.

My experience is the min is around 15%, but I've read some posts on BP that some lenders can offer a lower minimum (but that usually means a higher interest rate).

If they can't justify the charge immediately and specifically, then it's probably just a money grab.Remember: lower fees don't mean you'll make more money.Start by going to www.narpm.org to search their directory of managers.

A little lower ARV is also ok.I like to use Hocker Title.

Alternatively, if I can find a lower cost single fam home where I can cash out 100% of my investment I would do that but those have been harder to find recently. 

So, yes, you'll get a lower percentage of the cash flow (which isn't that high anyway for long-term rentals like pretty much anywhere in the world, including the US) but you'll get appreciation and loan amortization.b) You successfully invest in STRs and make enough money that you don't care that much about the higher taxes.To conclusion, as a foreigner investing in Spain, with a few exceptions of specialized niches, I focus on areas that have (high) capital appreciation and short-term rental potential.Hope this helps.

My mark up is always lower than the direct lender because I don't spend money advertising during the Super Bowl or buying a private jet for my CEO, and we don't have layers of management we need to pay.

Have you lowered the price at all?