She is one of the super sweet, soft-voice, always on your side (but will slice you if it gets her a better commission) realtors.

Another thing that you should look out for in the terms is the soft and hard locks on income.

Housing market is soft, look for motivated sellers...

Would you have paid 75,000.00 in interest and other soft costs even if you had just used 10 -12% money with no up front origination fees? 

As well as taking into consideration the HOA.You've also help me see a few other things I need to brush up on.

This could be from moss growing on the shingles and they brushed the moss off before listing.

Thank you so much Don't waste time writing notes sticking them everywhere so you don't forget.If your why's are as haunting as mine you are not going to forget even if you tried.There is a HUGE leap between getting motivated/inspired, ... and "if I don't step up, my life now will become the inevitable unchanging reality" (think of the voice of agent Smith from the matrix).Many people are like neo oblivious to life's routine..Consider this..You wake up at 6 amYou brush your teethTake a showerGet dressedIf you are lucky you have time for a quick breakfast but most likely you eat something on the way to workYou are driving to work for 1 hour in horrible trafficYou work for 8 hours if luckyAfter work you drive home ... this time for 1.5 hours as traffic is ridiculousYou get home and you make foodYou are exhaustedYou are tired crappy moodTake care of the kidsYou eatYou have a little time to unwind and watch tv for an hourYou turn off tv and get ready for the next day.Get your clothes togetherDo your choresGet ready for bedSleep for 5 maybe six hoursWake up and you repeat the previous day's routine.This goes on 5 times a day.

I feel soft "warnings" do not mean much with this tenant. 

Looks like build-out costs are at an all time high (in the Bay Area) so we're looking at about $275 to $300 sq ft for total build out costs / soft costs, which makes this a project we won't be pursuing. 

Personally i move out from this area if this is common issue...This is a broad brush generalization I see way too much.