Is this standard while applying for an FHA loan to receive an up front mortgage insurance premium and then have t pay a monthly mortgage insurance premium?  

I've searched through my entire pre-licensing course and I couldn't find anything.In Florida, is it illegal for a licensed real estate agent to receive a referral fee from an unlicensed buyer or seller for bringing them together?

Success attracts attention.

I was told I'd receive 3-5 Zillow leads per month.

If you are pleased with the services you received, you're more likely to use that agent again.This can be tough in a young REI career so I'd recommend getting an older agent, someone with a lot of experience and then you should also continue to ask questions on here to get multiple perspectives.

Thank you for bringing that to my attention. 

I think you've received some good answers so far but I think the biggest issue always sits with constructing the cap-rate to begin with. 

I personally would make the financial contingency period be based on when you receive final approval or denied - not when the appraisal must be ordered. 

But if you’re keeping your home long term, you will get cashflow right away if you look at the borrowing costs for building the ADU vs the rent you’ll receive. 

A relative found out recently that the lawyer who recorded a lien for them put his law office as the notification address, not their home address.  10 years later when the guy stopped paying, they found out from the records' office that the home foreclosed and they never received notice because it went to the lawyer's office, now non-existent, not their home.