I feel in this market it is difficult to get outsized returns (S&P seems very hot and might be hard to sustain 7%+ returns in long term.. but even if so, I’m risk adverse so would probably keep it my HYSA)I did run the numbers if I were to prepay $60,000 now and it appears the IRRs are lower (because of the higher cost basis).

I definitely feel your pain.  

I am in the DFW area and met them in person. 

(I haven't done this personally). 

Feel free to share your experiences and insights as I am eager to hear from those actively involved in the market.

Feel free to message me anytime with scenarios.

I’ve flipped two personal homes, and just bought my first duplex.

Especially from CA, and when you're in it it can feel very frustrating. 

I would let them know that you have documented proof that they screwed up, and if they won't waive the fees then you will make it your personal mission in life to leave a negative review (with proof) on any website that allows reviews. 

We feel like this gives us a pretty good background to start, but by no means do we think we know everything we need to yet.The area around UCF has improved quite a bit in the last 10 years and home prices have risen considerably, but it seems like there are still some promising areas to find deals.