With a $200K NOI I assume that this deal is valued in excess of $2.0M.

The simplest way is to add a fixed amount to the rent while making sure that the tenants are still on the utility in case they use excessive amounts of power.

., assets) that greatly exceed the coverage provided by the homeowner's policy, get umbrella coverage (excess liability coverage) in the amount of your "at-risk" assets. 

This is in excess of $6K/month in addition to the income used to get the first approval.

In business "build it and they will come" causes excessive expenses early on.

It also allows you to use any excess sale proceeds to improve the acquired replacement property as part of your 1031 Exchange transaction.The proceeds from the sale of your relinquished property that are used toward the acquisition of your replacement property as well as those proceeds that are paid or used for improvements to your replacement property will qualify for tax-deferred exchange treatment provided the transaction is structured properly as a Build-To-Suit Exchange.

All these fees seem excessive to me.  

That would go to the second and any other liens and then the excess would go to the former owner.

The big problem is banks want this excess inventory off their books as quickly as possible.

Scams can include excessive upfront fees, not showing up at closing table, quickly filing FC for the slightest default to try to take the property.Third, you don't "wholesale with trans funding".