As a buyer and someone who does wholesale when properties that don't fit our buy box come through our pipeline, I don't ever count other people's pockets as long as the deal makes sense to me, than why worry how much someone else is making on it.

TIAErich your best bet would be to amortize it over thirty with a 5 year balloon. the issue with private lenders  vs. banks is private lenders use their money to lend and many times it may not keep up with inflation - so lending for that long does not make sense.

If your timeline is relatively short, it may make sense to just have the lender fund the rehab (typically means better rates, too) There are a lot of different scenarios.

That’s my predicament if that makes sense all typed out.

This post doesn't make too much sense.

I used to exclude that from tithe, but now wondering if it makes sense to include it as I include depreciation on renovations.2.

It may not entirely make sense to go from a 30 year mortgage to 15 year mortgage if your debt to income ratio is tight in any sense.

If its solely due to the zoning is this in a location where the commercial use makes sense?

I am thinking about putting together a tour of 2-3 ADUS in Pasadena CA that are under construction or recently built to get a better sense of the ADU building process.

Given his estate planning needs, he is also unmarried but is considering getting married if it makes sense.