Neither is assured to be correct.Please clarify how the two properties have been used and where you actually lived the last few years.

Tenants typically just want to be assured they are "on the schedule" even if they aren't first. 

Comparing that to the $186 per month cost for Jerry to manage the property, Ben saves over 2/3 while feeling rest assured that Jerry takes much better care of the property than a property management company, since it is Jerry’s best interest to do so as he is also an owner.Here’s the breakdown of the amortizing loan of the 5-year $125,000 loan at the current risk-free interest (3.41%) that Ben can get if he buys treasury bill or loans to someone else:Any thought?

Yes, but make sure you are in compliance with your brokerage's advertising/marketing requirements.

This notice to quit has been sent by the Landlord to the Tenant(s) due to a non-compliance in the lease agreement that can be described as:Tenant is in a month to month agreement for redacted and landlord would like atenant with 1-month security deposit & year term lease agreement.You shall have the right to fix the above-stated non-compliance within twenty-one (21) days or vacate the premises at the end of thirty (30) days from receiving this notice.YOU ARE FURTHER NOTIFIED THAT the Landlord does hereby elect to declare thatforfeiture of your lease agreement under which you hold possession, to the above-described premises, if you fail to perform or otherwise comply will institute legal proceedings to recover rent and possession of said premises which would result in a judgment against you including costs and necessary disbursements together with possible statutory damages as allowed by law for such unlawful possession of the premises.No response from her other than this: 

I don't know why for sure, my guess is the zoning compliance ( I called Fannie and asked, they simply said, they don't buy those loans) So the refi will be stuck in non QM with higher rates.

I have talked it over with my agent and he assures me that there is nothing I need to disclose to the seller.

Most importantly you need to convey confidence and assurance you are a player and not just wasting their time.

They come in for one thing and see something out of compliance.

Unless it's a deep, deep fixer and the seller and seller's agent want assurances the buyer can close and get the project done - if not that, then no one cares.