If it's zoned for a mid-rise 5 story building and the surrounding area is booming, then yeah maybe there's some redevelopment potential there that is valuable, but it's unlikely the seller didn't realize that and bake it into the price. 

. #2 could mean either that it's a HML you've done several successful deals with, who cuts you a break and eliminates the points, or is a private lender who isn't real estate savvy and doesn't even realize points are common.It's basically the same with lending as it is with buying houses: The more work you personally put in to make the deal happen, the better deal you'll get.

But in GA you folks may have more opened up than I realize.

Covid has been eye opening to realize how much I depend on my higher income to keep my families way of life constant.

I am about to turn 20 and I have realized that a large number of individuals in real estate that are ultra-successful are in the business of commercial real estate syndication.

I wasn't clear in my post and realized I was rambling.

Once consumers realize what is happening, they expect continued inflation.

(I updated the original post with this info too)I appreciate the data collection and realize the many limits of self reported data collection. 

Since all my other houses have them (didn't realize that initially) and they're using all $300 of the tenant's deposit toward the get ready (and my total out of pocket cost is now only $2,199), I decided to give the green light to go ahead with everything.

I realize all options are not horrible.