@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. 

boy the only ones I know doing this anymore are apartment builders dirt is too expensive. even a small lets say 1200 sq ft single level 3 and 2 which I would assume that would be minimum size with the price of dirt and utl hook up fees etc.. is going to run you in the high 200s just to build at cost.. at least in markets were rents will be over 1500 dollars. 

Sellers pay for realtors fees, not buyers. 

Or, at minimum, bring someone a deal and build in a nice wholesale fee for yourself.

In the process of being kicked out of my girlfriends childhood home and her mother supporting her own parents and and house payment splitting it with her sister including lawyer fees to keep the bank at bay for as long as possible before eventually being kicked out they still found the time to help me with anything that i needed from groceries to a ride to work and asked for nothing in return.

The service is free for service animals/ emotional support animals to get them screened and a small fee for registering pets.

Even if you take the higher end of the ARV range your looking at a 2k fee max. 

Origination Charges $4,8322.464 % of Loan Amount (Points) $ 3,437 Document Assembly Fee $220Lender Fee $430 Processing Fees $545 Underwriting Fees $200B. 

I’d prefer a smaller firm to begin as I understand larger companies (RE/Max, Edina Realty) have higher monthly fees.

I’d prefer a smaller firm to begin as I understand larger companies (RE/Max, Edina Realty) have higher monthly fees.