For some reason, rentals are considered high risk loans, and the servicing rights are often sold to the servicers that specialize in loans to borrowers that are likely to have payment problems. Ocwen, Nationstar, and Specialized, I have dealt with them all. Ocwen has the most annoying website. Four web pages of crap on how to get your loan back in good standing just to get to the breakdown between principal and interest. Ocwen and Nationstar send out letters, emails, and FedEx letters urging you to refinance loans (which in my case could not be refinanced because of the 10 loan limit) at above market rates and terms. All the telephone contact is outsourced to robotic agents in third world countries that can only read from scripts and can't actually explain or fix the problem.
I was very happy to eliminate Specialized from my life. I'm down to one at Nationstar and two at Ocwen now. Nationstar and I have a long future together (at least until the servicing rights are sold again), because of a HARP loan they inherited at a low interest rate. The two at Ocwen are in my sights now.
The OP should look at some other lenders. Check AIM Loan, I believe you will find them to be cheaper, they are good as long as you are a simple W-2 borrower with good credit and 20 percent equity. See if you can find a good broker, as s/he will shop the rates through wholesale divisions of multiple lenders and should get you better pricing.
ETA: All lenders should give you a good faith estimate (or whatever the current document is called) that shows the interest rate, the APR, and all fees associated with the loan. Not sure if SoFi is writing conventional paper to be sold to Fannie/Freddie, but they should give you something similar.
