Also did you ask the loan officer why you are falling short? 

I figured those colors would pop from fall, winter, spring and through the summer.  

The duplex was built in 1936 so does fall under the rent control provisions.

He also said a lot of leveling statement's as well, such as the sky isn't falling etc etc.. 

RTR does a pretty good job of managing the builder, but truthfully, the 1st half of the process simply falls on the city's shoulders and being that Cape Coral is one of the top markets in the county for new builds per capita they are backlogged.

I fall into their camp (not the smart guy camp, the guy who has nothing to sell!)

I'm going to be as lenient as possible I just worry that she could fall 1-2-3 months behind and it's just a really delicate situation to try to collect when she's having major health issues.  

Quote from @Varun Hegde: According to public records, the property was boarded up in '21 before sale in '23 for $160k.After the transfer, looks like somebody from the city came by and noticed the property was falling apart.

Assuming you meant after-interest, the returns look great but well fall as you do scheduled debt paydown (so your equity, the denominator, grows).

Don't fall for it.