Property appraised for 620k earlier this year after the ADU construction (appraised it to remove PMI) and I owe $375k on the mortgage + 59k fixed rate second.

I can only assume that you removed any part of my post that you didn't want repeated here.

And who is taking care of the landscaping/snow removal? 

https://www.biggerpockets.com/forums/93/topics/1224328-new-l...here is a thread I just did on Oregons new law that takes effect July 1 2025.

Point is the above comments there are many other more effective ways to meet the FINCEN stated objectives for tax evasion, money laundering and terrorism.   

For instance, if he paid $40,000 to buy a house and sold it for $80,000 with $10,000 down, he could keep $10,000 in reserve  and tap into it to hire attorney, file eviction case , remove defaulting buyer/tenant and continue paying off investor loan (if he used PML to buy that house) while looking for the next buyer to sell it.

But given I've paid for snow removal like once ever, I don't know what I should offer someone who is not a "pro" and already has an idea of their rate. 

The PMS around here are pretty terrible, I've worked with a lot of the larger ones in Cleveland and I think they just take on more properties than they can effectively handle and don't hire enough additional employees to make it work. 

The other 2 lots I created ended up being on the other side of the street so it didn't really effect how my estate was laid out and $400k is a nice lil chunk of extra change to have when you're doing a big build.

.: Quote from @Patrick Roberts: For the late payments, contact the servicer that reported them late and ask them to remove the late payments from their reporting (after explaining, etc).