I’ve got some buildings with great interest rates that just won’t cash flow with less than my original 20% equity.

Understand Replacement cost versus original building costs. 

Of course unless your buying defaulted notes at the get go then again as Chris mentioned this type of fee should be handled up front.. and if it new origination your making and then they go bad.. in your foreclosures you can charge the borrower these fee's when they cure or add it to you opening bid and when someone buys it at the court house you get repaid..

There's also plenty of lenders who falsely represent the true capital requirements to originate their loans or are merely up front fee collectors. 

I see that it has been 3 months since the original post; how are things going?

(These companies would otherwise have been required to report by January 1, 2025.)Reporting companies created or registered in the United States on or after September 4, 2024 that had a filing deadline between December 3, 2024 and December 23, 2024 have until January 13, 2025 to file their initial beneficial ownership information reports with FinCEN.Reporting companies created or registered in the United States on or after December 3, 2024 and on or before December 23, 2024 have an additional 21 days from their original filing deadline to file their initial beneficial ownership information reports with FinCEN.Reporting companies that qualify for disaster relief may have extended deadlines that fall beyond January 13, 2025.

Also, securing financing is no different than site built unless you're dealing with  someone that has no experience originating loans. 

My original SFR was 1100sf and I added 2 units: an 800sf SB9 unit and a 750sf ADU (converted garage plus addition).

In retrospect I probably should have kept my original one in my name.

Originally posted by @James Syed:Just posted another 5 day letter at the front door.