I still self manage but I include a management fee of 10% I pay to myself along with my owner's monthly draw from profits.I'm not a big time player, but we're now doing well enough that if I lost my day job, we could live okay.Going forward, I'm looking at moving in more full rehabs in B hoods so we can get cash flow and appreciation. 

Look for the lowest fee as possible or one with no fee at all. 

Haven't had any issues with it, and fees are pushed to tenant as part of the application fee so it's an affordable choice as well

Mine being 15 year, 4%, 2.5 point fee and refinance after 2 months and cash out only my input at 3.7% 20 year, another credit union.

Or maybe it's because of the age of the property which is built in the 1920s, but many homes in my market are built during that era so I can't imagine the whole city paying these astronomical policy fees. 

I’d happily pay a fee for a off market deal brought to me.

probably not what you want to hear but no experience and 100% LTV and 100%  rehab funding simply is not in the market place.. the only people that will offer that I will say with 99% accuracy are scammers telling you what you want to hear to beat you out of small amount of due diligence money or application fees and will never fund.. this simply is not attainable nor SHOULD it be..

(Acquisition Loan, HML Points, Refinance Fees)- Holding Costs $ ????

Tenant has managed to pay rent every month (always right before late fee deadline and with late fee twice),  however - he keeps breaking other rules every 2nd month (some minor, some major - pets/noise/parking etc), which HOA keeps objecting and sending notices. 

FHA has higher fees, an upfront Mortgage Insurance Premium of 1.75% of the balance (rolled into the loan) and .85% MI.