One thing you might look into on the pre-payment penalties is some lenders will offer a 5-4-3-2-1 buydown or some variation thereof to reduce the pre-payment penalties.

No sense wasting money if it doesn't work out.I would try to have the whole house with the same general theme, but you could give a bit of a variation to each room.

Still, I can tell you that in my experience, the smokescreen of having a "secret" that people have to pay to get is always a variation of the same thing: consistent work, intentional strategy for your goals, and embracing failure.I recommend investing in books instead.

Your parking cannot reduce the required RYOS, and when you are adding additional units, you may end up being required to provide More RYOS, which could further take away from available parking.As far as exceptions to reducing parking:- There was a "Transit Orientated Developmnent" Ordinance that was expanded as the "Connected Communities Ordinance" in 07/22 for which some properties could also qualify for parking reduction dependent on Zoning Designation- There are Administrative Adjustments (Much easier & faster than a Zoning Variation) available to reduce the required parking spaces by up to 100% in some casesAdditional Info:- The minimum size for a parking space would be 8' wide x 18' deep. 

@David Edwards Hi David, do you see variation of the hard cost by neighborhood, for example building in Lynwood compared to in Bellevue, Queen Anne, or Columbia City?

A Partnership Agreement is significantly less involved than a securities offering.Finally, a variation on this would be if you structure a deal where you have "one investor in one deal", and structure it as a mortgage.  

If you want, find an escrow service to handle all the payments.Now the buyer has security (the deed) and you have the ability to foreclosure (the mortgage.)All these variations violate the due on sale.

Below is a data read; one showing 12mnth read variation, the other monthly that reflect seasonal variations.

I'd be happy to chat sometime about some other variations that might be worth exploring.

In these cases, even by adding a unit to the existing building, you are "Within COmpliance" of the Zoning Ordinance, and therefore there is no restriction.2) Variation: If the lot area is Close to what would be required (within 90%) you could qualify to pursue a Zoning Variation in order to permit the extra unit to be added.