While you mention there are no points, perhaps there are processing charges or something similar which would be revealed in the APR.

Worked like a charm.I understand that wall paper removers charge a lot of money for this pleasant task:)

It's hard to dig into the individual motivation for any particular bank unless you know who is in charge of the decision making process.

Put them on your credit card, get the miles, and pay off the card.

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We would like to ensure that you have a clear understanding of our rental process up front.We will conduct a credit and background check and contact references as part of the application process.It is important to provide a clear and complete application to make this process as smooth as possible.Please ensure you will meet the following qualification requirements before applying as there is a non-refundable application fee:Stable, verifiable gross income of at least 3 times the monthly rentFavorable credit history - no judgments to prior landlordsPositive references from previous 3 landlordsNo eviction historyClean criminal background check – no feloniesAll applications must be accompanied by a non-refundable application fee of $25 for the first adult and $15 for each additional resident over 18 years of age.This fee covers the cost of the credit and background checks.Again, we encourage you to apply only if you are confident in meeting the qualification requirements.Applications will be processed in the order received, and the fee will only be charged upon processing.If the apartment is rented prior to your application being processed, we will return your application fee.We use TransUnion SmartMove for our screening process.Upon receipt of a completed application with fee, we will send an invitation for you via e-mail to complete the application with SmartMove directly – there will be no additional cost for this beyond the application fee.This process helps protect the integrity of your personal information.

Make a pen change to the lease to have it start today instead of the 4th and then charge them two more days rent.

They always charge a fortune but I they are worth the $$$ I always struggle to find one that's prompt at replying.

My second one I did by taking it subject to the existing financing and used cash advances on credit cards to reinstate the seller's default and fix up the house. 

What do you charge monthly and initially to place a tenant?