The office market is very soft in most suburbs but the inner core is doing really well.

On normal deals I looke for $250+, for $0 down I'd be comfortable with $100 but like @Darryl Bass I'd get as many as I could get, but depending on the age of the property.

And those sophisticated enough to realize this will expect these types of soft cost.Its the same when I develop a subdivision  I don't even take it to the bank until I have pre approvals.. which in our state runs on the low end 75k to high end of 125k depending on Scope..

I don't think most buyers look at cabinet box construction, however I would make sure the drawers glides and hinges have the soft-close/blumotion hardware built-in.

Figure out all my hard costs, soft costs and financing costs for that portion of the development, then add a markup for my developer profit.2.

So track record of the lender is key.Giving a quote over the phone before reviewing the borrower and the property is just a soft quote.

Before purchasing I was shown that the bathroom floor had a soft spot in it.

My ultimate goal is to take a "soft" retirement by 35 years old (2025) by thriving off of passive income created by buy and hold real estate.

Totally bass ackwards. 

Soft pull on one bureau.