So, basically things like zoning issues, back utilities, permitting, etc. is what I'm hinting at.I realize all states are different.

Why am I getting 3 different answers from 3 different mortgage calculators?

How well did it work for you and what would you do differently if you had the chance? 

Those are two different things.

It will not make a ton of difference in sales price.

I'm sure I can find a different title company that will insure if needed.I am looking for feedback from people that buy a lot of subject-to properties.

Exactly.Last time I counted, I had 23 business bank accounts, and while it can sometimes be a pain in the butt (for example, I have about 11 different checkbooks), at the end of the year, it makes accounting much, much easier...

A significant difference.

If your contractor chose Bank of America for their business account then they should have asked about and discussed timing and fees for different deposit types before choosing, ask their clients to use Zelle, or have a separate payment service like one contractor I use has pocketsuite for estimate, payment and invoices.

The difference can add hundreds of dollars monthly to your bottom line.