We're doing the disclosures now and I was quite surprised at the 2.469% of Loan Amount (points) Origination charge which brings the total Origination charges to $16,500 (Property cost is 645K, 10% down).

I did provide yard maintenance at his request when I first took over the property. about 1 year ago. 

The rent on the property is currently covering the PITI.

I am trying to get a loan to buy an investment property, and they have been contacting me, but I am not sure if it is worth going forward or not unless someone has already done business with them.

We currently have one rental property and looking at building a primary home.

It seems like we could get a down payment for a new, cheaper property and some passive income while also saving the buyer money. 

This is the sum of all the personal property (Car and real estate) in the town.  

If someone owns 3 properties and uses their license to help a few small investors, that's right up your alley.

I just calculated that the ROEs for my 3 rental properties are 6%, 5% and 1.5%.

I don't reward thieves by handing them more money, but that may be the right answer for you since you aren't sure how to move forward.In the future, you should consider hiring a professional property manager.