The ONLY reasonable deals are:Appliances when purchased if you have a retailer that offers unlimited repairs/replacement for 5 years for 10% of price.

Here are some financing options to consider:HELOC or Cash-Out Refi on Another Property – If you or your mom have equity elsewhere, this could be a more flexible and lower-interest option.Business Line of Credit – Since the property is in an LLC, you might qualify for a business LOC, which could cover construction costs.Private Money Lender – If you’re okay with 12-15% rates, a private lender could fund this as a short-term loan, especially if the guesthouse will generate strong income.Construction Loan – Some lenders offer short-term construction financing, which converts to a longer-term mortgage once completed.Seller/Partner Financing – Bringing in an investor or structuring a joint venture with someone willing to fund the build in exchange for a share of the income.Credit Card Stacking or Unsecured Business Loans – Riskier but could work if you need to bridge a gap until the unit starts cash flowing.Would love to hear more details—especially your timeline and expected rental income.

I am the agent and offer on my own deals.

What terms is he offering (monthly payments, amortization, balloon, etc.?

These people are living comfortable where they are now but not for long with SCI's practices to just make a quick buck.

Whether driven by local industries, educational institutions, or other anchors, these economies can offer consistent rental demand, leading to stable cash flow for real estate investors.5.

I'd check local STR FB groups and see if you have a local Real Estate Club.You can offer your services there, maybe for free in exchange for the experience.

I am the agent and offer on my own deals.

I added a couple of different offerings with them earlier this year as well. 

Areas like Pilsen, Bronzeville, and parts of the South and West Sides offer opportunities for value-add investments, while North Side neighborhoods provide more stability but at higher prices.