I'm still trying to learn all the different features and aspects of this site.

E nd of last year I was having most of my bookeeping done remotely, thought this might be a better way to get my reciepts to Fla.

I can build an addition for about 120k that contains two "units" of 2bd/2.5ba each with lots of premium features (9.5' ceilings, acid-stained colorful concrete floors, radiant heating throughout, central air, LED lights, granite countertops, subway tile backsplash, carrara marble porcelain look-alike bathrooms, etc.)

Its a nice feature but unnecessary.  

I live up in Sonoma county and I have been looking for some remote out of market investing options as well.

In the end, we're not exactly looking to recoup the dollar amount - it was $6500 worth of work on a 130k ARV house, when we originally planned on the fuses-to-circuit upgrades costing us 3k - but we're banking on those upgrades being one of the features that helps us sell the house faster.

The mortgage I'm looking at says nothing about a DOS clause but does say it does not have a "Demand Feature," which apparently allows the lender to call the loan due for any reason.  

Welcome to BP @Matt Dodge Find and network with local investors using find feature! 

Since I am young, it also has a high deductible and HSA features.

If you haven't already you can use the BP Rental Property Calculator or as Brandon Turner recommended in a webinar the Wholesaling Calculator (just put $0 as the wholesaling Fee) as it has more features.