He fell into a diabetic coma and passed he was not at all healthy so I was not surprised.

Finding, developing and maintaining a 'brand' is hard and time consuming work.Let me turn the question around; As a seller, why should someone pick one agent over another.

There was an article published in Sept 2024 that showed the average consumer would save over $10,000 by working with a broker vs a direct lender over the life of their loan. 

It’s doable, just more difficult, time consuming, with a lot more “contacts” needed for each “sale”. 

You do run a "risk" of being outbid at REO sale and "losing" the property, but given that may happen, the "total debt" is your security as you may bid up to that amount where it makes sense, but you may also be able to cash out for a healthy profit at sale if you so choose.

A 1200sqft detached ADU would prob consume 25-30% the rate of the main house making it about approx 15% lacking in producing enough power for equal production to usage on the entire property. 

Instructing or deliberately causing a borrower to sign business-purpose loan documents when you know the money will be used for consumer purposes has always carried civil liabilities.

Our cleaning fee covers professional clean, laundry service, and consumables. 

DTI ratios are generally used in consumer/residential (aka primary) mortgages when the property is in your personal name.

If you do a furnished LTR you will still have to worry about your furnishings and possibly consumables/linens if you plan on providing that sort of thing.