So, I don't understand what the business model is here, but I'm getting tired of wasting MY time, trying to respond to THEIR solicitation.  

These terms were provided by the seller's daughter who managed the properties and were not disclosed to us during the transaction.The legal expertise we've received up until this point has not been helpful.

If you have a clear strategy and a subject matter expertise, you'll probably do well.

What sort of business do you use it for, and do you think you might choose something else if you had a different business area/model?

The more concerning thing to me is that you've modeled insurance costs as fixed.

While I do price competitively, I am personally not competing with the "race to the bottom" lenders that will do loans for almost free because their model is volume.

You may pay a bit more and make a little less, but playing the long term game is key in real estate.The types of structures could be lump sum (one price) or cost plus (meaning you pay the cost of material and labor plus a flat fee—more of an open-book model).I see some investors who want to pay for ALL the materials, which is excellent for the investor (more control of finishes & cost) and general contractor (if they are getting paid well).  

I expect that you are able to make connections and provide expertise to investors here.  

The bank used a comparable sales model.

FYI - a lease purchase option is not one of the weapons we have to cure in Texas as they are essentially not allowed.I appreciate your obvious experience and expertise with these.Stay safe out thereAlan