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€216,200 at 7.86% is the quote I need to make a decision on. It is described as fixed for the full 30-year term, but the lender’s fees and the applicable loan-to-value bracket make the headline percentage a poor guide on its own. I had assumed the cheapest-looking rate would also mean the...

When requesting a management proposal, ask what is excluded. Management, finding a tenant, renewals, inspections, handling repairs and supervising contractors may not all sit under one fee. No need to guess the percentage—the written scope and separate charges will give you a defensible model.