Charges generally relate to the complexity level of the filing and the experience/qualifications of the practitioner.Therefore it's a little difficult to gauge based upon the limited info you have provided.

I am curious as to how people get around this, or do they just grind it out and wait to file taxes at a higher income the next year.

They have complaint protocols that allow you to file against those parties. 

The repayment terms for a 401k participant loan are equal monthly/quarterly payments of principal and interest (typically prime plus 1%) over a 5 year term (longer if used to acquire your principal residence).Please note that if you take a full $50,000 and then pay back the loan, you can't take another $50,000 until 12 months after the first loan was fully paid back.Per the loan offset rules that went into effect with the 2018 Tax and Job Act: if you leave your job and the loan is current at the time you leave your job but then the loan goes into default because you left your job, you will have until your tax return deadline (including any timely filed extension) to make the loan current by depositing the outstanding balance into an IRA (and thereby avoid the taxes and penalties that would otherwise apply).Please keep in mind the multiple loan rules:Under those rules, the sum of the balances of a participant's outstanding 401k loans under a single 401k plan (using the highest outstanding balance of each loan over the last 12 months) can't exceed 50% or $50,000 whichever is less.

Consider the fact that  more than likely  those who had already applied with a broker or bank and already  had their documents in a file were able to take advantage Of this very short lived rate bonus. 

Also working on a rentometer type function so it calculates a recommended rent without adding a rentometer CSV file.

Definitely worth the investment to make sure everything is setup right from the beginning, or at least prior to your first tax filing!

For context, I maintain my own books and file my personal taxes as well as the taxes for two LLC partnerships (one real estate and one service-based).

You can just file a Schedule E at the end of the year when you do your taxes. 

Foreclosure case was filed in court (Ohio) 3 months ago, mortgagors (husband and wife) have transferred ownership to me (an individual) via a quitclaim deed earlier this week and it should be recorded with the county in a couple of days.