However, they didn't discuss how the student was able to raise another 40K (which I'm significantly concerned about lending 40K from a hard money lender and pay APR 20%).Second Day,They told us that they were giving out a bonus session for early comers.

To @Mike Dymski point about density bonus for low income they tried that with new builds and that caused a rush of permits to go in before the law was past and very few projects after the law. 

Then moved out and we're sharing another house hack with less than $200 out of pocket monthly for utilities and internet while using 3 bedrooms and a bonus room for ourselves.

And SF appreciates much better in my area which is a bonus too.

Kissimmee is still a strong STR market, especially with Disney nearby, but competition has increased.The smaller pool and backyard might be a concern for some guests, but the privacy from the freeway could be a nice bonus.

She really is a wholesaler using their services and they give a bonus in the form of skip traced leads to their current clients for referrals.

Appreciation is not a bonus or luck, it is literally the number one wealth-generating force in real estate.

I’m not exactly sure who would have been liable, etc if we accepted it as a bonus., but we immediately paid off the first lien. 

I can add about $1000 a month to my savings and whatever bonuses I receive to it as well. 

So you takes your chances and pays your money at some point.I was viewing the built in equity as the "bonus" of financing it myself through the bank rather than the builder doing it.