We are borrowing 250k over 3 monthsWe just received their estimated settlement statement which seems to carry a significant amount of junk fees:Amount requested                                   250,000.00type                                                             2nd trust deedterms:                                                         no pre payment penalties after 3 monthsrate                                                             10%Points 1,75                                                4,375.00lender Underwriting                                795.00lender Admin                                            700.00lawyer fee                                                   1,000.00Escrow Fees                                                450.00title co Property Inspection Fee              75.00Notary Fee                                                  175.00Electronic Recording Fees to title co       20.00Lender Refinance Policy to Title co         1,032.00Endorsement - estimate to Title co         125.00Recording Fees to Title co                         75.00Deed of Trust Recording to title co         150.00total junk fees                                             $4597It is the first time we use a hard money lender, but to me 50% of these fees are avoidable and should be negociatedCould you guys give me your opinion about these terms and what are the fees you'd pay and wouldn't?

I trust that you'll find tremendous tax saving opportunities simply by hanging around the BP forums, and even more so by engaging a real estate savvy CPA. 

I just purchased a house a month ago, and after moving in, I noticed that the toilet in the second floor bathroom is not level.

I trust him, but I do want to do my own due diligence as well.

All you have to do it set up a separate checking or savings account, name is escrow or trust and DO NOT COMINGLE any funds in that account. 

SUCCESSFUL COACHES AND INVESTORSHigh level, winning coaches don’t achieve success by just learning a few great plays – no matter how thick their playbook.

Once things leveled off and inventory got manageable, they started to work for market value .. often by pricing above their appraisal. 

However, if I want to purchase an investment property in the next 1-2 years, the risk level is very high.

Seeing that you have a pretty decent spread between remaining principal and potential value (don't trust the Zestimate) it seems that reinvesting the money into other properties is pretty attractive.

I explained the situation and they were happy to move. 2) don’t trust a word they say - when they did not move the second I took possession of the building I started the eviction process.