Per Fitch guidelines, when you have an investment grade tenant (credit rated BBB- or higher) you can average rents through the lease term or until loan maturity whichever comes earlier.

You say the "present value of the profit is $125,895.66 so the total paid at maturity is $1,125,895.66". 

Many lenders collect monthly interest-only payments, some have a built-in reserve for either full or partial interest, and some may not collect any interest until the maturity of the loan (has to be a very strong deal for this to work).  

There are other homes in the neighborhood with identical floor plans, but obviously no guest house in the back yard.

The tenants are on housing and section 8 pays for the majority of the rents.The A-Side rents for $965/mnth --of which housing pays all but $300/monthThe B- Side rents for $960/month--of which housing pays all but $153/month.The place needs only new carpet and paint if and when tenants moveThe seller told me he lives too far from the property and wants to sell for $120,000--I thought it was a great deal because it cash flows well with most is paid by housing, and the identical Duplex sold 2months ago for $149,000.Here is the issue--The seller decided he quoted the wrong price and wants 125k.

Credit card seasoning is longer than 1-2 years; the magic number is closer to 7 years before many underwriters will consider it a mature account. 

I have about $10,000 stashed in some investment account that matures in June.Firs the government will get it's dibs (sigh), then I'll get in my hands, and I'm hoping I could use that money to invest some sort of Real Estate.I've heard people start out by investing in Tax Liens?

We personally have not faced this with our commercial properties but we are hearing from others that banks are not renewing and calling notes due upon the current note terms of maturity.

That's a monthly amount almost identical to your housing number!

Due to privacy laws, we cannot divulge the resident’s identity or apartment location but we feel it is important to keep you informed.