Are you maxing out retirement contributions (or employer 401k matches)? 

While I no longer have health benefits or vacation time I still get to contribute to my 401K and receive my employer match on that.

I can't match the offers I see because we run a clean shop and take care of everybody along the way.

Purchase price: $1,800,000 Cash invested: $960,000120ft tunnel carwash with 3 detail bays and an upstairs business office. rebranded the carwash business to match the same name and logo as two other carwashes and offered a joint monthly unlimited wash pass that was usable at any of the three wash sites!

If youre really worried about the rate differential, just buy it down to match what the rate would be for a primary residence product when you put permanent financing in place and mentally account for it as a Stay Out of Jail fee. 

If your market is showing SF zoned comps for a ADU addition that match or exceed hands off cost of adding a ground up single ADU, your market would be rare if not unique for CA. 

Your agent works for you, so should be pushing back on the seller's agent's requests if they don't match what you want to do. 

Our EA then matches those numbers with the payment platforms.

It's possible to find a great deal, but not where my buyer wants specifically wants to buy, not matching no. of br and ba he wants to have and etc.?

Do their estimates match ur experience?