Minimal prepayment penalties10% down.Prime +0Commercial 30 year loanWhat you're really saying:"I know I won't get this at a bank, so I'm going to try a non-bank that has less stringent underwriting criteria. 

If you message me with the rough measurements of the kitchen I'll be happy to sketch up something nice for you.Ben

However, due to the stringent limitations, few taxpayers can meet the facts and circumstances standard.

The way I changed my mind is after analyzing all the facts related to the resale of ADU and measure the rate of change in every county in bay area.

You shouldn't need a survey unless there are property disputes, just find out what the setbacks are and measure (carefully)2) In San Jose it should be $300 - $400 nowadays3) All in you should be at $350k or so, but that is a guess.... 

I had a fire-hose of deals, average list time to sell a completed flip was measured in hours and days. 

Those are all questions that you need to answer and determine if it makes sense for you to invest in property protection measures.

Have the rep come out, measure, and use his software.

So, the best way to measure the performance of the player is to read their previous track record, but their track record is so private almost hard to decipher unlike public investment.So what I'm saying is , from the perspective of investor, the biggest problem for us is to find the sponsor that overdeliver, rather than overpromise, based on their track record. 

@Douglas Johnson - For multifamily investing, cash on cash return is my go to measure.