I use that example since I just PAID a $750K wholesale fee last year to an investor who put in the reps, and had a smoking self storage deal under agreement for a steal... and I was HAPPY to wire them the funds.

@Christopher Lombardi all of the clients I have who are self insuring own their properties free and clear. 

Fees (including points) are obvious, but lenders also can (and usually do) bump the rate a wee bit to make a "yield-spread premium" or "back-points" on the deal to further increase their profit. 

For instance, spend $10k on a kitchen remodel, increase your value by $8.5k (or whatever, but it's always less than the expense).I figure I must be missing something, because BiggerPockets is full of investors talking about their contractors, etc.

Your future self will be thanking you!

Typically, a cost segregation study identifies and reclassifies certain assets to shorter depreciation periods, allowing for accelerated depreciation deductions and increased tax savings.As a rough estimate, the tax savings from a cost segregation study can range from 15% to 30% of the reclassified property value.

It's a good way to have the capital you need and some extra self-savings at the same time.  

Read this detailed blog post.https://medium.com/p/ef0480228574Real Estate News in BriefWhile it’s disappointing to see average mortgage rates back near 7%, the rate cuts will come eventually, and the increase in the national inventory of homes available for sale is encouraging.

I don't want to provide a link as it will be seen as self-promotion and taken down, but if you google my The Gifford group, or divorce buyout calculator, our website or YouTube should pop up. 

Stable rent with annual increases, low turnover and long term.