Originally posted by @Patrick Liska:Daniel,Seems you do have a lot, it seems there are a lot of "predictions" to values / costs increasing in there, one thing i saw is that you have loan Interest payments/ cost increasing every year too, if you have a fixed loan those costs will not increase, they will decrease and your Principal payments will increase.I checked the interest payments and yes they go up around around a refi, which tells me it's fine.

Originally posted by @Carolyn Fuller: That said, I'd not trust prices I see on Craigslist.

Legal ConsiderationsFair Housing Laws: Ensure your reasons for denial comply with the Fair Housing Act, which prohibits discrimination based on race, color, religion, sex, disability, familial status, or national origin.

As a Value-Add there is also the original carriage house that is a detached structure to the property that we'll be doing as a permitted ADU / Tiny House.

Just get a loan broker residing in Cincinnati, pay the extra origination cost (those fees are usually buried in a lender's origination fee anyway) and find the right lender for your situation.

I would suggest always comping it on your own when buying it with HML and knowing the ARV before you purchase it but I originate both and most of my clients want to explore what the refi terms look like based on the ARV they are projecting.

Depending on the endeavor, your still have potential origination, closing cost, reserves of different size(deal type dependent) and other applicable fees/costs.

No, you have to use the link I put in the original post. 

Is there a potential issue if the original tenant decides to move out and leave the other adult behind?

Originally posted by @Mayer M.