On the long term each of them has the same total fee, but they are packaged differently and their earning mechanism are also different.It is true that the front load of these product is high.

Food for thought

Anyway, I found that most people don’t want to pay for advice unless it’s packaged with promises of wealth, lifestyle, and an ability to do “it” with little or no capital.  

@Diane StinebaughPre-packaged agreeable gray flat from Sherwin Williams. 

@Christian DiCroce I don't know if Cleveland is one of the Ohio areas that is on your Radar or not but since it's been brought up here is some food for thought for you.If you are looking at Cleveland I recommend checking out The Ultimate Guide to Grading Cleveland Neighborhoods.

Same thing with your HELOC, if it's a $0 payment, it's a $0 impact.Not discouraging the purchase by any means, but food for thought: "There's no free lunch" if you're getting a below market rate from the builder that's getting paid for in the purchase price.

Remove food that can rot, empty the trash, flush the toilet, etc.

.: Biggerpockets sells a Lease Agreement Package under "TOOLS" at the top of your screen. $100 for a lease and several other documents, written by investors and attorney approved for your state.

Shelter is a “human need” according to NASA, along with water air and food.   

In my opinion, I think this is a tenant responsibility and they should food the bill.