Split premiums are rarely done in practice but in theory its nice to talk about them as it makes the borrower feel like they have choice but I've never had any borrower pick the split premium option when given all of the choices in the last 7 years I've been in the lending biz.

Business mogul Gary Vaynerchuck talks constantly about "eating dirt" for a period of time so that you can reach your goals in the future.

I didn't see anything in the loan docs that talks about negotiation after a certain period. 

Erik Keim network with a pm before you talk to a turnkey provider or broker.

I would love to meet a fellow BP member for coffee or lunch to talk RE..

I just put a call to them on Friday to talk about a refinance of my properties.  

With today's technologies and resources, all of this is possible but you need to do your homework and talk to people who have done out of state investing successfully. 

He was the second appraiser, my original appraiser that is proficient in the valuation of solar property got 3 strokes in 3 consecutive months and wasn't able to talk or write.

At the very least, talk to as many loan officers as possible and get opinions about your specific situation.

Or the affiliates/marketers of the guru education programs pretending to know what they are talking about and skirting the soliciting rules in the forums!