Blue Gate Capital strung me along until very close to closing and almost cost me the deal.

More like a 101 of taxation: you had a reserve of losses -> it helps when you have profits.And a tax geek addendum:I also do not see a direct link to cost segregation benefits here.

@Jonathan SniderFannie and Freddie do have LLPA's and the lower the down payment, the higher the cost.

He's changing the terms of the agreement, and you can choose to accept it or reject it.I don't think it's fair to pass this cost onto the tenant just because you are unwilling to stand up to the contractor.

They've been claiming for months that they are implementing a new mortgage servicing platform.

I'll throw in my 2 cents on common differences I've seen in my career:CDFIs - Because of their subsidized financing structure, they have the ability to be a low cost lender (and sometimes provide grants).

I am seeing a trend in CA that ADU construction is more cost effective (per unit) than buying on the market by a long shot.

The CF is only playing catchup to the cost to you of the property. 

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I'm looking at monthly cost to seller vs. anticipated rental income, purchase price relevant to the ARV of the area and interest rate, balloon, etc.