Granted, as I approach the $1M budget, I'll be most likely looking at a commercial situation (5+ doors), at which point my personal income may not matter.

I don't mind data entry at all it's just a matter of having a different quickbooks file for every single property is becoming clunky.

@Nathan Caffero   Based on what exactly hit your credit score, you may not necessarily have the time to address the matter and get a score revision with a looming HML to deal with.

@Nathan G, this is the crux of the matter:  "As long as the charges seem reasonable"This is exactly why I want to see the invoice itemized.  

It's really a matter of risk/reward.

Yes, Martin Willigan in Catonsville Maryland is a strong professional that will get the job done no matter what.

@Dwight Cook I agree with Colin the cost seem super high, I can only imagine it being that high if the loan is non conforming which sounds like they may be doing that, one strategy is to offer a higher purchase price in exchange for higher seller credits, this is no cost to you or the seller except your loan will be larger, also look at taking a rate where you receive a credit, you can make this work if you have a low enough dti with the two loans and you can pay the full down payment for both the rest is just a matter of negotiation and creativity

These are the remaining steps I have in order1.Initiate the quit claim paperwork and submit to county2.Set up a bank account (should it be done before the quit claim or it does not matter?)

I've had a cabin burn to the ground, so speaking from experience, it does matter who your insurer is, as well as your agent.

Will it really matter if we rent it out in a few months?