I do agree 50K EMD for a 340K home is way too high and raises some concern.

When a seller refuses to pay the commission, then the investors MAY agree to pay up to 3%.I understand that the NAR requirements stipulate at least two forms or documents disclosing buyer agent compensation to both parties.I’m just concerned that we might be in a pickle in this process.

As of today, the current average interest rate for a 30-year fixed mortgage in the US is 6.91%.DSCR mortgage rates are typically anywhere between 1% and 2% higher than conventional loans.Please feel free to reach out directly with any questions or concerns.  

I appreciate the ease of management that comes with mid-term rentals, but I have some concerns.

You state that everything is equal but are concerned that not everything is equal...It's very possible to see a price spread like that even with comparable coverage but it's also vitally important you work with someone that has your back to make sure you understand your coverage before you'd have to use it.  

Because the "2nd" is not addressed with monthly payments, transactions with a prior HARP are huge problems.

Well, in listening to "Mistakes to avoid when Gator lending (2023)"  there are bigger worries to be concerned about than are spoken of in the "gator training".

Cosmetic issues like the one's you explained do not pose an inhabitability concern.

It was around the corner from the main box, so I just stuck up a little note for a while that said "mail addressed to unit B should go in the box around the corner".

When you get your appraisal, post your appraised value and value of property without the ADU and ideally the address.