Need help analyzing if this is a good DSCR option

[Zulu Black]

Got a DSCR loan quote for a 3-family purchase and wanted to get a gut check from the community. Here's the summary:

Purchase Price: $650,000
Loan Amount: $487,500 (75% LTV)
Down Payment: $162,500

Loan Terms:

• Interest Rate: 7.00% (fixed)

• PITIA Payment: $4,552/month

• Eligible Rent: $7,000/month

• DSCR: 1.54x

• Term: Standard DSCR 30-year amortization

Closing Costs:

• Origination Fee: $6,094

• Lender Fees (UW, Doc Prep, Processing): $1,745

• Estimated Title Fees (1.25% of loan): $6,094

• Estimated Escrows: $3,925

• Total Cash to Close: $180,358

• Assets Required in Bank: $40,965

Property is a fully rented 10-bed triplex in a strong rental market. We're factoring in 10% for property management, with estimated expenses at ~$25K/year. NOI is around $59K.

Looking to hold long-term with 2 other partners. Numbers work on paper, but wanted to hear what others think:

Are the Origination Fee & Lender Fees high? 

[Andrew Zamboroski]

Quote from @Zulu Black:

Got a DSCR loan quote for a 3-family purchase and wanted to get a gut check from the community. Here's the summary:

Purchase Price: $650,000
Loan Amount: $487,500 (75% LTV)
Down Payment: $162,500

Loan Terms:

• Interest Rate: 7.00% (fixed)

• PITIA Payment: $4,552/month

• Eligible Rent: $7,000/month

• DSCR: 1.54x

• Term: Standard DSCR 30-year amortization

Closing Costs:

• Origination Fee: $6,094

• Lender Fees (UW, Doc Prep, Processing): $1,745

• Estimated Title Fees (1.25% of loan): $6,094

• Estimated Escrows: $3,925

• Total Cash to Close: $180,358

• Assets Required in Bank: $40,965

Property is a fully rented 10-bed triplex in a strong rental market. We're factoring in 10% for property management, with estimated expenses at ~$25K/year. NOI is around $59K.

Looking to hold long-term with 2 other partners. Numbers work on paper, but wanted to hear what others think:

Are the Origination Fee & Lender Fees high? 

What is the FICO score being used for pricing here? Also, is there a prepayment penalty on the quote?