Two are one, one is none. 

I ended up attending one of those weekend seminars for a few hundred bucks that tries to sell you on a 30k coaching program.

If you base your tenant charges on the historical average, you should come very close to collecting the entire amount over a one-year period.Charge a higher rate.

No one pulled a payoff to confirm the balance or looked at the latest statements before closing? 

Focus on one strategy, practice analyzing deals, and take consistent small steps like attending events and building relationships.

Conveniently located in Bryan TX, within walking distance to A&M Bus stop and a short 5 minutes drive to College Station, home to the largest university in the state, Texas A&M.

The more common one is a flat value for the ADU, like they would for a pool or another bonus.

Stop the BS. 

That's one of the arguments for not clearing.

It does not appear the lender used an attorney to draft the note, as its the worst note I have ever seen for a $2M loan.Lessons learned: if you want to be a professional, then act like one.