I'm looking into Bank of America as they don't charge annual fees, origination fees,and you you can lock a portion of the balance into a fixed rate if you want.

For the deal to work I would need them to reduce the payoff by roughly 5k on a 40k payoff, the 40k includes all the crazy fees the bank charges when a loan goes into default.

The lease charges the tenent a trip charge if no one can get in for a scheduled repair...$75 or whatever.

Once you complete the final application, we charge a one-time servicing fee of 3% of the requested financing amount before transferring the funds.In addition to the servicing fees, you are also responsible for the title/escrow charges and home appraisal fees.

In Queens, NY many is cash offer and sellers have no problem charge very competitive price maximize their return.

Keep Your Emotions in CheckI feel like many of these have been analyzed at length within some of the Bigger Pockets podcasts but that everyone should really dive into what each one of them means for them. 

They can estimate $1000 for a vanity install and then find one for $300 they think is just as good and still charge you $1000. 

We can replace flooring, countertops, etc for far less than they charged, but its hard (i.e. impossible) to add 9-foot ceilings after the house is built.

Would they figure that income out by looking at Comps and what we would be able to charge for rent?

@Andy Mirza I went over the report with the appraiser, the only Comp I questioned was an REO in the same building that sold two  months ago that was badly damaged, water damage in two locations, old carpet, damaged kitchen floors, broken HVAC, nothing new or upgraded and that unit sold for $234,000 as an REO.Is my agent a good one is definitely a good question, After the latest price drop I told her this isn't my primary residence so I don't have the typical emotional attachments some sellers have where they want the highest prices in the neighborhood, Do we have to do these incremental small price drops, I just want what the appraisal/market says it's worth or really close to it so lets get it sold, that's when the discussion about not pricing it at appraisal came in due to the buyers wanting concessions/discounts.I didn't know over 60 days on the MLS was happening in some markets.