But what you pay extra for those lots doesn't justify the return in rents you're going to get.

@Caleigh McDonough age old question.How long will it take you to save the extra funds vs how much the property may increase in price over that time?

I've reached out to lenders here on Bigger Pockets- but their rates & terms seem high (DSCR or just not good terms)- I qualify for a conventional loan, but my DTI is almost maxed so why pay an extra 2-3% DSCR when I don't have too. 

A lot of them charge much higher and include extra "material" but if my experience tells m anything, you won't need that. 

Like if you want "property management" as part of your software its extra. 

If the note holder purchased the note at a discount he can accelerate his profits and increase his ROI by offering the borrower an incentive to pay off the note early, or to make e extra payments.  

Always budget for extra for rehab.

However, they charge extra for things like the Statement of Information (SOI), which costs $75, and the BOI report, which costs $90.

Vrbo has free price automation software.I use Excel for book keeping.I don't pay for any third party software, not really needed on 1 or 2 properties.I charge a little extra for cleaning fee than actual cleaning costs.

You're just adding an extra step/bottleneck to a process that already works really well with credit cards alone.You're literally quoting an imaginary person.