My initial plan is to get rid of one car loan ($6,500)(since the other one is a lease), and get rid of two credit card balances ($20,000 total). 

I suspect not, however, as the seller is pressed for cash and countered my initial offer at 8% below listing with 4% below.   

The initial reviews that you'll receive will make or break the listing and its potential in the future.

Is it done in the initial letter or do you wait a month or two? 

She in turn sent it to the sellers and had them initial the pages.

If your agent isn't getting back to you quickly in the initial conversations, then they're likely not going to move quickly when it really matters.Clear articulation of concepts.

With 1.2 you may have to opt for a bridge lender, provided there is value-add component that can push your DSCR higher.Of course, initial DSCR is inversely proportional to your purchase price: the higher the price, the lower is initial DSCR that is based on the current income.

Good points.What are you estimating for payroll in initial UW?

To add to @Matthew Forrest's point, a homeowner without previous experience with the design-build process for an ADU should realistically expect 12 months from initial design to completion.

My initial thought for my first STL was somewhere within driving distance.