Id live in legal garden unit with my fiancé and rent out unit 1 and 2 for $1725.

The design / construction company that I want to work with quoted me 135K for both projects. 

I figure this is likely the commercial space value and I could probably add $50/month on lot rent, or trailer rent on the non month to month trailers (all but one).I'm trying to learn commercial quickly, but I still don't know all the right questions, or what documents to request, or what things I don't know to ask that will bite me (are septic systems legal, violations, etc)I would appreciate any feedback on any aspect of this deal, from my financing assumptions, cap rate, reasons I want to like it, office rental income, etc.The numbers I used are from the P&L they provided, and seem really high. 

My sister still hates Wells Fargo even after they had to give her a free house and hundreds of thousands of dollars in legal fees.They admit to having millions of victims since then.Their own advertising admits they have had a problem with how they acted.

From a funding standpoint, you can expect to pay about 2% of the loan amount for a double closing.As far as closing costs, it is important that you have an Escrow agent that is investor-friendly and familiar with the ins and outs of handling a back to back double closing so that it is handled professionally and legally.

While you may administer investments, the time and energy and perhaps legal resources that go into resolving non-performing notes would go beyond the allowable threshold of activity. 

If so, you will typically receive some level of "legal work" as part of the process.

I don't know your local laws, but here in NJ increasing units is very difficult legally.

However, we were informed today that our closing has to be pushed off to a far-off future date (rate will no longer be locked and basically will have to do the financing process again) due to an issue we haven't run into before, but seems simply not legal to us, so we hope we can get some assistance.We only know as much as we have been told, so here we go... the home we are under contract for was sold to the current owners via an owner carry, so the note is held by a private individual (the owner before the current owners).

@Csilla Veress A couple of books that may help with understanding PV (present value) calculations, as well as note investing in general, are:Invest in Debt by Jimmy NapierPaper Profits by @Joshua Andrews  (my personal favorite)This blog post by @Mike Hartzog may also be helpful:https://www.biggerpockets.com/blogs/5359/41924-doi...PV is the way most note investors do pricing for performing notes, but for non-performing, you'll want to build an ROI calculator as  @Chris Seveney suggested so you can look at various exit scenarios and take into account costs like servicing, legal fees, insurance, etc.