Another oversight I caught on my own is that I included the management fee, but for a house hack I will almost definitely be managing it myself.

It can reduce borrowing costs like the origination fee, points and pre-paids. 

Question for the experts: is there any reason to not accept prepaid utilities and monthly pet fee?

Letting a management company take over My question is how do you analyze a property in order to allocate for management fees.

I decided to get my license and according to the math I will break even on the board of realtors fees if I do one deal per year.

I had an agent friend reach out to me about a pocket listing he has and wanted to know if I have an interested Investor, he is offering a finders fee.

If a juicy deal falls into your lap because you're out there networking and spreading the word about what you do, take it or assign it for a fee.  

We value each deal independently and agree on a fee structure (usually 1-5 points and 10-15% interest as a broad range).For context one of my company's business lines is first lien notes (hard money). 

Online payments with credit card require an additional transaction fee.

You might be able to improve that rate a tad bit using one of the newer residential mortgage programs that base it purely on the property's own cashflow (some of them will go as low as 1.1 DSCR whereas pure commercial wants 1.25), but the improvement wouldn't be sufficient so as to be worth the hassle/fees/costs/etc, knowing that you're just going to be doing it again in a year or two when you have sufficient 1099 longevity to get a Fannie loan.