It's rarely fully transparent to the seller and never to the original lender.

Approx 5 commercial  properties with total combined value book value 12m .. actual maybe 20-25m?

If you have a newer home that rarely requires maintenance, a markup fee and low management fees may be the way to go.

If you had the time to read the 1,000+ posts I have published, you'd see that I rarely express any opinion (unless asked) and that what I mention is more often than not based on facts and figures.

I used a combination of Minoan and going direct to vendor to furnish our 4BR/4BA.

It is rare that you sell a house through an open house. 

 - recognize you are combining 2 if the highest effory rent models: student rental and rent by room. 

If this is a rare mistake or if this type of mistake regularly occurs.

We both work in finance, so we’re pretty comfortable running the numbers.Our combined W2 income is ~$350K, and I work remotely with a very flexible schedule.We’ve saved over $200K across various assets (stocks, crypto, cash), and we live frugally, saving around $100K a year after taxes.

Their combined income is below $100K per year.