I am curious if the fees I am being presented are in line with market norms:lender app fee: $10,000Origination fee 1% ($20,000)Lender costs: shows a fixed amount at $10,000processing fee $895registration fee $10,000Title and escrow fees: $4,000 est.6.5% rate fixed at 10 yearsPrepayment Penalty: Yield Maintenance months 1-114 (1% minimum)Third Party ReportsApppraisal Required Engineering Required Environmental N/A Seismic Report N/A Market Study N/A Funded EscrowsReal Estate Taxes Required Prop/Liability Insurance Required Special Assessments N/A Ground Lease N/A Replacement Reserves N/A Required Repairs TBD Debt Service Reserve N/AWould love to hear your thoughts on this as well as what you think is appropriate fees for the freddie mac sbl program. 

We require the tenants to prove a landlord liability policy for $100k.

"If the tenant requires early termination of the lease, rent and deposit are nonrefundable"c.

Even if you aren't required I would try to do that. 

Realistically, your new construction will rent for and sell for more than older inventory in the market, given no deferred maintenance and modern amenities.  

(I also would like a loan that doesn’t require a high down payment). 

Does this require permitting?

The property has a lot of differed maintenance.

There is prequalification criteria and the programs have different requirements based on the prequalification responses.

We don't require Saturday to Saturday, but do encourage it.