We faced two issues in escrow: because of the HOA lien foreclosure we had to do some extra searching to find a title insurance company willing to issue a policy; getting a payoff was an issue until someone at escrow obtained the last four digits of the SSN and used the bank's automated system to get a payoff.The second situation was similar but this one we kept as a rental.

I thankfully have a resident who is a locksmith and I keep extra locks with my tools.  

If you want to squeeze a bit of extra money out of the deal as you should, then you need to contact your county auditors office about lowering your assessed value.

And if your tenants are paying several hundred bucks extra a year, they won't be happy and they'll bail at the end of the lease. 

Additionally, some affluent towns might have extra fee's for waste removal, parking, etc that local contractors and this city hall will know about. 75% in a nice neighborhood is a good ARV according to what I'm reading for more luxury homes.

. $150 extra ($2 per foot - he supplies)."

Most hard money lenders charge 12% interest plus points, so it's only a good deal for flippers, not buy and hold.An extra piece of advise: make sure you have an emergency fund!  

It can sometimes entail a bit of extra paperwork, but it's often very doable.

Contact a local RMLO - Residential Mortgage Loan Originator, Google it for your area or if you are ambitious read the Dodd Frank Act, RESPA, Truth In Lending Act, 

Truthfully, we'd do this even if we were paying a slightly higher rate, but the decrease made it all the more palatable.