Both state that they are subject to the underlying lien and both disclose its existence. 

The following rules apply to charging EVs at the Property:Level 1 Charging – (Standard NEMA 5-15 or 5-20 120V, 60Hz Outlet)An existing NEMA 5-15 or 5-20 at the Property may be used by the Tenant for the charging of an EV if the following rules are followed:Only Electric Vehicle Supply Equipment (EVSE) which are approved by Underwriters Laboratories (UL) are allowed to be used for charging EV at the Property.The EVSE shall not be left exposed to the elements unless it is expressly rated for weather exposure.

During the survey, one of the corners of the property lines did not match the existing fences.

REALTORS® shall recommend that sellers/landlords obtain the advice of legal counsel prior to acceptance of a subsequent offer except where the acceptance is contingent on the termination of the pre-existing purchase contract or lease.

Not looking to beat any other term sheets, will keep lending to existing customers, but very skittish for new borrowers.I have two PG loans, due in 2026 and 2027, but not balloon, just rate adjustment.

@Eric KajkaTHanks for the post   1) your FIL  will have  approx 2-3%  of selling expenses  assuming there are no realtors involved ..assuming 600K sales price  and existing loan amount  he will likely  net   a bit under the  400K  needed for AZ house ...he  will also likely have  some  costs  involved  with moving and buying the  AZ home .   

Origination fees were in existence in 2020, but whether or not you see them on a loan estimate depends on how a loan is structured.

Live it in for a year and repeat the process, buy another duplex, hopefully with the same program if it still exists a year down the line.  

have you tried infill lots in existing developments ? 

Here's what the quote covers:- Conversion of 2 bedroom, 1 bath main house to 3 bedroom, 2 bath (~1040 sf footprint)- Demolition of existing walls (existing dining room wall, wall between kitchen and living, bathroom closet)- Finished Shell (Reframing opening to living room and kitchen, shifting openings for bathroom/bedroom, new walls at bathroom and dining, level - Replace all aluminum windows with fiberglass windows and screens- Upsizing plumbing, and relocating fixture locations as necessary- Upgrading electrical panels- Assume heat pump and ductless mini-split for heating and cooling- An allowance for kitchen appliances including combination range, hood, dishwasher, microwave, refrigerator, and washer/dryer- An allowance for mid-grade plumbing and lighting fixtures (Delta, Kohler, or equivalent)- Mid-grade plumbing and lighting fixtures (Delta, Kohler, or equivalent)- Ikea cabinets or equivalent with solid surface countertops, includes island- Assume solar system to be installed on the house including battery storageFor the garage ADU, the garage would need to be demoed and rebuilt, but we would benefit from building within the setback since the garage is on the property lines.