Not using agents with neither party puts me closer to my original number.

Dave, I always felt that the original founder Josh Dorkin has pushed the cashflow narrative based on his own personal experience.

They wanted to stay past the original lease-end date of 6/30/24 through end of summer, so I told them they could go month-to-month through end of August. 

@Damion Brown Why not just use a bank originated construction loan that converts to a permanent loan?

That could be as high as $14K to $15K not to mention Title fee's, origination fee's and days of interest another $7K to $8K.If you choose a lender or broker and they hit you with lender/broker fee's/points that’s another added cost.My best advice as a Banker is reach out now get a Pre-approval letter up front and give the Bank an idea of what neighborhood or a "mock" address and you can get an actual quote up front to avoid surprises.

Originally posted by @Thomas S.

I'm originally from Long Island and that is where I started investing. 

@John UnderwoodBaseball story about the origins of Charley Horse: from an 1887 newspaper article:When Mutrie, of the New York team, suddenly began limping after running to first base in one of th[e] games played here last fall, [e]very bass ball player at once ejaculated "Charley horse."

Original asking was $145K but since the condition was not good we offered $125K and landed in the middle.

With that being said I have not found a mortgage broker yet that could package a mortgage for the original seller without the sub2 loan affecting DTI.