This year I tore our bathroom back to the studs, rebuilt it, re-plumbed the house and pulled out almost all the old armored cable in the house and replaced it with 12awg, built a fence, and tore up the busted concrete driveway, replacing it with a bigger gravel driveway.

The liquidity of a note is based on its characteristics which make is saleable: pay history, equity, borrower credit, down payment, etc; (of course this is assuming its Dodd Drank compliant, has a good chain of title, etc) and the liquidity of how quickly it can be sold on the secondary market is dictated by price, aka yield.

I'm AD as well and this is how I got started.

. - The closing costs/fees would result in a total cost to loan ratio that is too high, making the loan not compliant- The couple lenders that will refinance some equity out will not bundle the properties, generating sizeable closing costs for each of the 3 loans.- One commercial bank I've spoken with will bundle all three properties into one loan, however will no approve me due to debt to income ratio; I have a mortgage in my name for my father in laws house (he pays mortgage and resides there) so they see the debt but no rental income.- Hard money will do the loan but with rates at above 8% with sizeable origination fees and significant pre-payment penalties.I was hoping some of you seasoned folks could help me figure out some creative financing solutions for this little conundrum. :)

I've looked through what appeared to be good deals on the MLS only to find crumbling wet 100 yo concrete made from what appeared to sandstone or gypsum or some such garbage lining what would be listed as an unfinished basement.

They take care of the details, such as getting permits and ensuring that your building is compliant.

Probably concrete pipes if no work has been done before.

We have been offered an owner financed deal to finance a property for a rental that has a concrete block home and a mobile home.

With the prices in Ada County being pushed up has anyone looked at Nampa?

While most Net Zero buildings are energy efficient, perhaps even highly so in comparison to minimum building code requirements, there is nothing requiring them to anywhere new the efficiency level of a Passivhaus   .... this is why you will see odd things like warehouses with large rooftop solar installations being able to claim Net Zero.On the other hand, Passivhaus sets three metrics which a building must meet to be certified as Passivhaus compliant:  The building must have a heating and cooling demand of not more than 15 kWh/m2 (4,755 BTU/sq ft; 5.017 MJ/sq ft) per year  and a peak heat load of 10 W/m2.Total primary energy consumption (energy for heating, hot water and electricity) must not be more than 120 kWh/m2 (38,040 BTU/sq ft; 40.13 MJ/sq ft) per yearThe building must not leak more air than 0.6 times the house volume per hour (n50 ≤ 0.6 / hour) at 50 Pa (0.0073 psi) as tested by a blower door.Ironically, the research and pilot projects which fuelled what eventually became the Passivhaus standard was carried out in Saskatchewan as a National Research Council (NRC) project in the 1970s (the house is still in use today) and a similar project (Minnesota?)