Either A) you need to want a ski Airbnb/VRBO for the personal use of it but not the investment aspect of it or B) you need to be okay with some of the areas within 45 minutes of the ski areas that are totally open to short-term rentals and where the numbers are better.

Their fee is 9.9% of the total amount we use (for this property we only need $30K so the fee would be about $3K, with typically 0% 12 month term, payments at 1%).Is this typical?

Look to invest in other marketsTexas market has a 4plex that rents $1,100 per unit listed for $549KDuplex close to TCU that rents for $1400 per side and sold for $300KProperty with a main house & back house that is listed for $299K total rents are $2,755 ( my listing)If you are serious about RE investing I would look else where if those are the ROI you are getting

Plenty of free contracts online that are great for all states but you may have to sign up for their newsletter etc.

I have a loan for the land and construction but need over 10 million for each one so about 20-25 million in total plus about 7 mil for the fees to get the project started.

This ADU would be used to rent to friends or family and generate income.I cannot seem to find the answer online myself.

I have done 3 total BRRRR. 

The online payment feature was broken for a few weeks but is now functioning again.

I've heard mixed reviews for some of the online valuation platforms.

I wouldn't put any stock in what these online services generate, good or bad.