Legal fees, if any7. 

And/or are you willing to take the risk of being sued by the seller for not performing on a legal contract (and losing your earnest money)?

A real builder is supposed to do their own diligence and be savvy enough to know that access (legal access, not just does it abut a street) should be the number one thing they check first.

Be sure to review the legal documents, oral representations won't stand up in court.

Also remember 3.5% is your down payment, but you will also have closing costs and prepaids which might add to that number.#5. 

If the seller misrepresented tenant conditions, consult a real estate attorney about potential legal action.

Andy Sirkin (fantastic legal team from SF) has a library of free online articles and a set of agreements to purchase, to help you on your way to become a Subject Mater Expert. https://andysirkin.com/article...Elizabeth and Christina (The Rental Girls) have done a great job pioneering the shared ownership (TIC's) model in Southern CA. 

They all tell me to got to Legal News because all mortgage related things are posted by them.

(There’s no way to transfer title that can legally prohibit enforcement of due on sale, except transfer to the owners REVOCABLE trust or transfer to children upon death).  

If you need financial help, ask under the "Finance, Tax, and Legal" forum.