She was mostly worried because she has a vegetable garden in the side yard and didn’t want it to impact her garden.

Be sure to give your lender awareness and legal security in case you are run over by Account Closed's vegetable truck.  ;-)You could offer a 20Y or 30Y regular amortization at 10%, but with a 10Y term. 

For food, about 99% of what we eat is Cream of Wheat for breakfast, homemade chili every day, a lot of rice and a lot of fruits and vegetables. 

Then I like to do things to preserve the building such as caulk and paint, roof maintenance, systems maintenance, trimming back vegetation, etc.

Usually I get something like looks like this:Exterior Landscaping - $3,800*Trim trees*Trim bushes, remove vines and vegetation growing on home, and remove small trees growing around foundation*Remove trees growing through fence and around fence line*Install fill grade dirt around foundation and level yard*Install mulched flower beds*Slurry seal drivewayTypically, they are going to charge to give a quote for a breakdown like this unless you have an established relationship.

Some other ideas to look forOver grown and dead vegetation when it's apparent the images were taken in a summerGreen or empty pools in the back yardFun fact: Back in the 2000's and early 2010s after the crash, kids would use google maps to find houses that were empty and go crash them, have a party, and take offJunk in the back yardDingy and worn out roofs

We cut the vegetation and removed the garbage.

We cut the vegetation and removed the garbage.

Currently the land looks like a forest (vegetation everywhere) and Paris is paying the taxes and water on the land (although water meter was taken out when Gary demolished it). 

Here is that list:KitchenWindow near panty doesn't openPantry shelves and storage areas not cleanedOld items left in apartment (former tenant's junk in closets, etc)Hole in bottom and side of cabinet above stove (just an fyi)Floor has damaged areas (fyi only)Back Corner BedroomBroken exterior window, glass not cleaned upBlind missingWindow not sealedCrack in ceiling in closet (fyi only)Middle BedroomBlind in right side is brokenLarge BathroomFan makes loud high pitch noise (only sometimes)Minor stains in floor (clean if possible, or just fyi)Molding is cracked on tub (fyi)Blind doesn't work properlyFront BedroomBoth blinds missingFront ClosetItems left behindLiving RoomWindow sills very dirty, have spider websSmall cabinet to right of fireplace difficult to open/shutFireplace is not cleaned - wood and ashes left behindStain on entry french doors (looks like a booger)GeneralHot water does not workAll window sills are very dirty, some have spider webs (screens were left open allowing spiders to access)Many electrical outlets are recessed further than they should be - some plugs may not be able to plug inWindows (interior or exterior are dirty/stained)Door from dining room to kitchen should be removed (no door handle from dining room side and door scratches ground)Vegetation at front door needs to be cut back (covering mailbox, blocking entry to door)Exterior of house is dirty, should be power washed - looks like a sore thumb in the neighborhoodWe basically agree on having the apartment cleaned (windows, "booger" thing, etc), loose items removed, removing the door, correcting the vegetation and having all of the blinds replaced, hot water being corrected.