I'm not the most handy and have thought of taking a person knowledgebale in home improvement or a handyman to tour the property with me (after my offer is accepted) to gauge potential issues with the home and have a better idea of the home's condition before I have the home inspection.

I don’t know if they have the funds to get her unit in condition for her, but that was mentioned last time I spoke with them.Thanks for the reply, sorry you have had to do this research for yourself.

Thorough vetting is absolutely essential in private lending to mitigate risks and protect your investment.Here are a few additional tips to enhance your due diligence process-Assess Their Exit Strategy: Whether it’s a flip, rental refi, or sale, make sure their exit strategy is realistic and aligns with market conditions.

I’m just trying to play it as safe as possible considering it’s been vacant for so long and I have no idea the condition in which the previous owner left things.  

So we raise em, train em and condition em, in a complete fantasy realm where all you have to do is want, nobody ever "fails", anything that hurts feelings is swiftly removed from existence and all of life is padded corners and warm-fuzzies..... 

The principal sum, plus all accrued interest, as defined above, shall be paid to the Holder upon as set forth herein.Payment & Due Date: The Maker shall not be obligated to make any payments ofprinciple during the term of this loan until January 4, 2024 ('Due Date"), at which time the entire principal balance, plus all accrued and unpaid interest, and other charges, if any, shall be immediately due and payable in a lump sum balloon payment to Holder.Collateral: This Promissory Note shall be secured by a mortgage lien against thefollowing real property: Address listed; (the "Property"), executed by Maker for the benefit of Holder.Assignment: This note is NOT assignable by Maker without the written consentof the Holder, which shall not be unreasonably withheld.Default: The occurrence of any of the following shall constitute an "Event ofDefault':Failure to make any payment due hereunder;Nonpayment of principal upon the Due Date;The breach or failure to perform any of the terms, provisions, conditions,promises or agreements in the Note, that is not cured within five (5) days ofthe date of written notice from Holder;Any representation or warranty made or deemed made by or on behalf ofMaker to Holder under or in connection with this Note shall be materiallyfalse on the date as of which made;

In regards to the numbers you're calculating they seem to be relatively conservative in my opinion, to be direct it's more than I use for homes that are in good condition.

**Interest Rates**: Depending on the property's risk profile and market conditions, DSCR loans may come with competitive interest rates.

It's a flexible approach, suitable for both single-family homes and multi-unit properties, and can be tailored to fit your lifestyle and financial goals.It's important to research local housing laws and market conditions to ensure a successful house hacking venture.

I called my insurance company to check on their policy and my insurance company said if the pit bull was a service animal that served a documented purpose for a physical condition I had to allow it and they would look past their banned breed list.