@David Beard talking with US Bank now...Here is what TD laid out for me as closing costs and a few prepaids:General Fees:TD Origination Fee 843.15Appraisal Fee 525Credit Report 8.37Customer Authentication Report .85 (cents)Flood Determination 5Tax Related Service Fee 58Title Services and lender's title insurance 1470Owner's Title Insurance 650Government Recording Fees 715Transfer Tax 600Items Paid in Advance:Initial Escrow Deposit 239.18Daily Interest 89.38Homeowner's Insurance 75 (Hazard Insurance)Total $5222.68

My husband is furious, and thinks we should keep the entire deposit and require more payment because the damage was exacerbated so badly by the delay in reporting it.

The check is written to xxx, (type of) Trust and is deposited into the bank.Are Trust more difficult?

That's an awesome feeling when that tenant hands over the deposit and signs the lease.

They pay off interest in direct bank deposits, however.

You will have advertising costs, legal fees, repairs, maintenance/upkeep. n If your landlord tenant law requires you to pay interest on security deposits, then that may come out of pocket.

Should I just wait until the tenant moves out at this point and add it to the security deposit when it is returned as a "Credit for over payment of rent"?

Earnest money is money deposited in a showing of good faith on a contract for purchase and sale of real property.

I state in my ads that I require a credit & criminal check, as well as a full security deposit.

They usually do not give back the Earnest Money deposit for any reason for investors so give the least amount required on all offers.