I may have to Teak my strategy in light of the excellent advice you provide here, Henry.  

Not here to provide an  endorsement or be critical of the lenders on this list but volume is not by any means an indicator I would rely upon when selecting my banking relationships.

Perhaps the East Asian hospitality industry provides full refunds no questions asked. 

It certainly will help me to know what to provide for investors when the time comes. 

RM-4.5 zoning would allow for a higher unit count and could provide more flexibility for future development, regardless of ADU policy changes.One potential benefit of rezoning before any citywide expansion is that it might allow you to lock in additional density rights ahead of any potential restrictions or revisions the city could impose when expanding the program.

@Shayan SameerOK - seemed like you were, can you provide more info? 

You can fix this by talking to the utility provider about creating "equal billing" or whatever they call it in your area.

Not even Ivy League master programs in real estate provide the representations and guarantees these mentorship programs provide.  

They originate 5 year interest only notes for buyers of turnkey SFR properties working through a network of turnkey providers.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it.We have a 12 page management contract that we've added our real experiences to over the years, with the intent of protecting both us AND the landlord.