Essentially this tells you the return you will earn if you buy this property un-levered (no debt/all cash) and make no changes to the property.

If the net cash flow number above (3100-2040 = 960) is including all these considerations, then that's a healthy chunk of change per month.

Our client filed a complaint with the BBB and would you believe that within 2 weeks the appraiser had a change of heart and re-adjusted the value to $99,900 !!

Then I changed category to New Member Introduction and it worked.

Interest rates will not change anytime soon.

I should have mentioned that I am married with 2 daughters (2 & 7)...which narrows down my options for location as we are already in a great school and don't want to change schools a 3rd time.  

Recent quote from First American for a refi around the same loan amount: Escrow fee $595.00 - includes recording feesTitle fee $450.00 (short form policy)Notary fee $150.00I like them because they don't change a dozen different fees!

But there is a provision in the code that states something along the lines that the if the owner does changes it has to go to the current zoning, so probably a SFH. 

That seems likely to change due to the recent political shift in the county.

Primarily as my needs changed so I didn't take any private lending but also because I couldn't find much on the company as part of my due diligence.