THIS WILL NOT need to be disclosed on any future applications (URLA or Uniform Residential Loan Application) as this is NOT your debt!

**NAHB Contracts**: The National Association of Home Builders (NAHB) offers a variety of detailed and standardized legal templates specifically designed for the residential construction industry2.

@Alex V. you've got some good responses above but this specific forum is more for residential stuff. 

All being equal, I would take a 30, but sometimes the 15 is much much lower.In 2012 I refinanced every residential mortgage I could as rates dropped to the lowest in 50 years. 

I see at least 8 big ones and lots of mobile homes mixed in the residential areas.

If you're wholesaling residential properties, keep in mind that most property owners will also be speaking with and meeting local investors and realtors.

I turned it back into a residential rental unit.

Tenants will push and try to get everything they can from their landlord.Seems you've done everything possible to be reasonable, yet the tenant is not satisified and wants more.As already stated, you are too much of a pushover, so the tenant is seeing how much farther they can push you.Highly advise you to find an experienced residential landlord-tenant attorney ASAP.

@Justin Jefferson first, some cold realty - you're about as likely to play in the NFL as you are to retire via real estate in 4 years.Are they both possible?

Zoning Districts That Allow ADUsADUs are permitted in residential zoning districts and some mixed-use districts.