Chris,For non owner occ loans in CA or commercial loans if you wish to pool investors one way to do it is through a CA RE Broker who can legally fractionlize a single property into 10 or less co lenders as to thier % interest in said loan. 

You can see if your garage can make a legal ADU perhaps by getting permits from the county/city.

The rate buydown is simply a part of your closing costs, so if you work a 2% seller concession into your contract and want to consider that the 'seller-paid buydown' then that's up to you.o Rate floor: You are going to eventually hit a rate floor with any loan program, or a point where you cannot buy the rate down any further.

They also responded timely to emails and close quickly.

The values here were state required calculations included by the attorney to show an example of value share split.2024 events:Dad has aged so his LE value is close to 30% and each son had 35%.  

2) Since he is replenishing the "withheld" sum, is it possible for us to close the replacement property on a different date?

If using accurate underwriting (something close to 50% expense estimate) your costs will be far in excess of your $3k current lodging expense.  

Account Closed That’s funny because the opposite is true: I assume nothing. 

My question is can I legally keep their security deposit?

They got the tax prep for FREE for the services of LLC setup they got with legal zoom.