Example: X amount Painting, Y amount flooring etc.

https://www.cnbc.com/2018/07/09/-sitting-on-record-amount-of-cash-and-not-tapping-it.htmlIs this time different for homeowners?

I recently paid off 60% of my car (I didn't want to pay off the whole thing because I felt it would harm my credit.) leaving me with a principal amount of around 4k.

I'm not a loan officer but I have been surprised by the amount of loan programs out there for many different scenarios. 

If the loan is amortized and paid for 30 years you will probably pay them three times your original loan amount. 

We have to physically go into a bank for the deposit since it's easy to blow past the number of check limits and/or the dollar amount limits.In our case, we're doing commercial real estate so the check values are high per month.I would love to ask our customers to do ACH / direct deposit, but they're not always amenable to that. 

Is there variables that affect this fee amount?

IMO as long as they still cash flow with the new numbers, I would leverage everything at 80% and keep the ball rolling until I had the amount of properties I want.

I could roughly save up that amount in 2 years but am itching to get into the game now. 

I would prefer to pay a set price for mentorship, and keep my deal money, it should amount to way more after a year.