Fees should be clearly stated, easy to understand, and justifiable.

. $150/mo plus added electricity costs, plus closing and opening seasonally (if youre in that climate) costs thousands in lost cashflow per year, and doesnt justify it in a rental.The added liability is common sense, even if your insurance company doesnt charge you for it.

But it may be a few years before rates settle back down so you will have to make a decision on whether the increased cost of the money is justified by the income you can generate from it.Randy 

Fees should be clearly stated in writing, easy to understand, and justifiable.

By overcomplicating things and over-leveraging yourself in the way that you have, you've opened yourself up to more personal risk than the best-case returns could ever justify.

Setting up a single unit just does not involve that much time and effort to justify such a charge, generally.

., but if it's in a commercially zoned space and cannot justify residential use, it'll be an act of congress and a miracle to try to change the zoning on that.

Worst case, you justify it.  

If you go in and pay double what its assessed (which may be appropriate if the income justifies it) you need to know that your taxes will also double in the expense column.  

This can be very expensive and is usually the worst choice to make because you can't justify the cost.2.