Never been and did so MUCH bizz there.. which as you know is very unusual for me in my SOP's . 

They will get a "Loan Payoff" from the lender....but it would be very unusual for a lender to ask to see the formal note itself.  

Limiting your access during an inspection, especially when you've traveled a long distance, is highly unusual and not a good-faith gesture.

Whoa, that's an unusual law. 

That’s a $40K fee, and unless the deal is especially complex or the lender’s doing something unusual, that’s above market.In most cases:DSCR origination fees fall in the 1–1.5% range, especially on anything above $1MOn larger portfolio deals, there’s usually some room to negotiateA lot of DSCR lenders already build margin into the rate, so adding a full 2% on top is something worth questioningWith 20% down, a solid appraisal, and everything moving smoothly, you’ve got a strong file — and definitely enough leverage to shop this around or push back.If you want a second look, I’d be happy to run numbers and show you how this could be structured with less in fees and potentially a better rate.

But having -personally invested in over 1000 real estate properties or notes, I was bound to encounter “unusual” issues.  

It’s not unusual to see articles, books and podcasts on here and elsewhere on “how to get started with no money down” or “use other people’s money”.  

But $1,975 total seems steep unless there are some unusual risk factors or higher coverage limits involved.I’d definitely shop around a bit more—try getting quotes from other carriers like State Farm, RLI, or Auto-Owners (if they serve your state).

Its unusual to not see more regular bookings come through.

As I was living out of the country, I set up 'auto-pay' for regular bills, and alerts on bank accounts to keep abreast of any excessive dips in balances or unusual activity in general.