So, basically, if you're splitting hairs over ownership percentage, here's the deal: Your partner dropping $40k on materials means they've got 25% skin in the game.

I would look into a DSCR loan option it will require 15-25% down depending on the lender but it's based off the asset and if it debt services rather than based off the individual. 

I told them per the Homeowners Protection Act of 1998 they are obligated to automatically drop the PMI when my loan reached 78% LTV and I wanted to be reimbursed for the (26) PMI payments I made past that point. 

Most of the software I use for deals for myself and my clients use an algorithm that will use statistical amounts for replacement based on current costs.

It will cost approx $4000 to remove the Oak tree based on a professional estimate.

After doing some research on the ‘director,’ Kory, he’s actually just a freelance/self-employed salesman based in Utah… I should have sniffed it out earlier in the process than I did because even in the 1stinterview, some of the early questions from the screener included how much money I make, how much I have in my bank accounts, my credit score, how much credit card debt I have, and what my credit card limits are…I was then asked if I was willing to ‘leverage my credit’ aka max out my credit cards to be successful.

Sounds like prices vary based on each situation but I'm looking at $15k.  

Southern California is a tough market,  however, its doable based on our experience. 

@Pramod MahadevanI'm in Lake Tahoe Nevada and this has become an issue with many larger and smaller condo complexes because of the multiple insurance claims from snow damage last year the insurance companies were dropping policies or charging crazy prices. 

I am a New York based new-ish investor working to expand.