It sounds like you have an un-permitted unit, which is essentially always a risk since there has been no notice to the AHJ that it exists and they can therefore initiate a code case to have it removed in most cases.

There are those who say they will mentor for free and "free" doesn't get you what you are looking for.Does your son have the capacity to pay off the loan entirely with 30 days notice?

I noticed some of the reviewers mentioned how the area is up and coming so if the area is questionable that might be contributing to this.

Most mortgage companies will not call loan due if payments are current but you do run that risk and need to be prepared to payoff or refi at a moments notice.

What i struggle with is pricing since i notice I'm usually one of the higher priced in my area.  

In 2023, I invested in some Norada Capital Management 7 year Promissory Notes and last week less than one year after signing the last note, I receive a "form" email addressed to "Valued Investor", dated June 20th, 2024 from Marco Santarelli, who signed the letter as CEO & founder, that interest payments were being suspended until further notice without any resumption date.

Upon arrival I noticed the curb appeal and thought it was overdone (of course, I initially didn't say anything to the owner).

I noticed their business is listed as an LLC on their Zillow profile, and we also found that they have a few other unrelated LLC businesses that didn’t seem to work out for them over the years and were short-lived.

However, I noticed that as a Costco member, they also offer HVAC services, including the same product line (Lennox), along with a 10% Costco Shop Card if you go through them.Has anyone here used Costco for their HVAC needs?

The close date comes and passes without notice despite me reaching out.