If she was a day late with her rent, but still within the grace period, would she pay you a little extra?

that may work - is there an ability to get extra cash out of the value is there? 

What is the property worth with an extra bathroom?

You can always pay extra toward the mortgage if you want.

A local bank is hard to beat, but you have to develop a relationship. 

Last developer I worked with who was all in for $2 mill (paying our assignment fee), paying the purchase price, cost to develop, holding costs, etc, netted $1mill. 50% return on their money.)

I have only taken Scott’s so I cannot comment on others but his training has been instrumental in my development where I have bought 60+ notes in past 18 months a good real estate calculator will have a PV function.. that is the heart of the matter in note investing.. just learn how to do that one function first off.. 

Most of the bigger HVAC companies in our area don't charge extra for weekend calls.

Im starting a meetup, opening an office and studio, and will be buying multifamily and development projects locally and in surrounding areas and Im looking to network with all kinds of people that are on similar paths. 

I would suggest that if someone wants to enter Detroit market take at your own risk two trips: flight/car/meals/hotels to know the city, its people, the neighborhoods and develop local connections!