For instance once you rehab and then go to refinance you will end up paying a higher mortgage due to the fact your borrowing more correct?

@Phillippa Atkins - Are there not any private money lenders in South Africa? 

For instance, I've run the numbers on a bunch of properties in central PA (I'm in urbanized southeastern PA) and 1% is a relative winner.And I thought it might help to round out the conversation by mentioning that I put together a spreadsheet to do what the BP rental calculator does. 

For instance, I believe debt service is not included from what I have read on the forums. 

you got it.. the day and age of get a deal and the money will folllow is basically over and done with in this hot market.sellers unless they are totally unsophisticated and that is the case in a lot of areas.. will require POF and financing approvals.there is no question that those without money who tie up property on the guise of flipping it are just denying the morality of misleading a seller and in a lot of instance cause real harm.

I've read, listened, and watched many sources on the topic but there are a few things that surprise me that have been overlooked in these discussions..For instance, Lease-Options aren't looked well upon, legally speaking.

So I guess more so of what I’m wondering is the process on the hard money side, for instance, just like any bank they’re going to want to know the properties right?

For  instance there are some property managers that charge the first month's rent for placing the tenant and there are some who charge the security deposit.

For instance mine was able to refer me to an actuarial for pension calculations at a lower rate than if i got one myself.

For instance I bought a 12-plex which is 3 4-plexes on 3 lots.