So for a property around 200k 20% down, right off the bat, there is a 5k+ loan discount fee, plus all other fees, that pushes the closing close to almost 10k.

Last week I helped a client close on a property just like that in Placer County.

I'd leave the trees, especially since they are not close to the house.

Account Closed hi Zach do you know under what circumstances you can use losses to offset your W-2 income?

You didn't mention what your PITI is and what kind of income your ADU brings in but I'm guess you're close to living for free.

A small price reduction to compensate for not making the units vacant for closing.

I never had to do it but I would assume you could just cash the money in a bank if they asked pre-closing.4) If you're considering reaching out for more information, feel free to let me know.Lastly, regarding the policy with Mass Mutual (or NW Mutual too), it may not be advisable to use them for your intended purpose.

Fiberglass is going to cost 100-300 more, but the door I'm replacing is probably close to 50 years old, so for that length of time, a little more on the cost isn't the end of the world. 

If they are already in close proximity with an established presence, there would be little incentive for them to relocate unless your property is a substantial upgrade.

Last house I closed on was Sept last year - I let it sit and started working on it in March.