The initiation fee does go straight to nationals, so the chapter's account isn't helped.
Freshman are better investment because:
They reduce UNCERTAINITY of what the future income will be. If you can't immediately replace a junior, the chapter won't be able to count on their dues to pay for supplies, socials, rush, and philanthropies.
A freshman will, as a sopohomore, learn rush skills the first time. She then perfects techniques in her junior and senior year. She'll be able to help new members learn how to be better rushers. This will make for a good return on rush. In other words, QUOTA. A junior will only be a rusher for one year. Rush retreat costs add up. (Start up costs.)
Most importantly, the rapid turn over of juniors hurts MORALE. It's very emotional when you lose your sisters. If a girl is upset how can she recruit more members? Plus, if you can't replace them easily, it creates inferior feelings in the members. "How come ABC is always at total, when we can't even get quota?"
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