I design affordable custom websites for small businesses, my designs specifically focus on getting the highest Google PageSpeed scores possible (example) which boosts their ability to rank in search engines and making sure their site includes at least 2 content silo pages that rank for specific keywords (ie "sell my house in Atlanta, GA"). 

I am curious if the fees I am being presented are in line with market norms:lender app fee: $10,000Origination fee 1% ($20,000)Lender costs: shows a fixed amount at $10,000processing fee $895registration fee $10,000Title and escrow fees: $4,000 est.6.5% rate fixed at 10 yearsPrepayment Penalty: Yield Maintenance months 1-114 (1% minimum)Third Party ReportsApppraisal Required Engineering Required Environmental N/A Seismic Report N/A Market Study N/A Funded EscrowsReal Estate Taxes Required Prop/Liability Insurance Required Special Assessments N/A Ground Lease N/A Replacement Reserves N/A Required Repairs TBD Debt Service Reserve N/AWould love to hear your thoughts on this as well as what you think is appropriate fees for the freddie mac sbl program. 

I work for a civil engineering firm so I am very familiar with land development.

Build a commercial team- insurance, financing, Planning/Zoning, fire inspector, trades- electrician, plumber, carpenter, excavation, concrete, hvac, flooring, engineers, signage, etc. 

I ask because I work for a civil engineering firm and would be interest in doing this.

I’m just an engineer that likes to tinker with numbers, it helps me understand concepts.

Also get a geotech engineer and make sure the fill is coming from a suitable site.

With 24 years of experience as an experience designer and engineer, I prioritize considering all user segments, including neighbors, as it's crucial for maintaining a calm and safe environment for everyone.

I'm not sure if there is such a deal structure or even the risks involved if engineered,  but the idea would be that the title doesn't really transfer / and a final balloon payment isn't made until after the property actually transfers to the children.   

Units like those obviously aren't considered "affordable" housing for the average person, as the engineering costs alone would be incredible.