. §§ 250.511a)Deadline for Returning Security Deposit: 30 days of termination of a lease or upon surrender and acceptance of the premises, whichever first occurs. (68 P.S. §§ 250.512)Security Deposit Interest: The tenant is entitled to interest after the second anniversary of giving a deposit.

Would this work better: "Tenant will be responsible for paying utility, cable, and internet charges split evenly between all occupants of the premises.

The basic premise is that a Hard Money Lender will like to see your qualifications but they are also very focused on the property/deal itself.  

What exactly is “normal wear and Tear”/ The definition is the deterioration of the property that occurs during occupancy where the tenant cleans regurarly and cares for the premises reasonably.Remember security deposits are for the protection of the landlord in the event that something is damaged or really dirty.What Can and Can’t be Deducted from a Security Deposit?

I have never understood why some people look down on low price points.They defiantly come with some things to consider and I would say they are a little more hassle, but there is money to be made.

Anywhere on the premises. 

I've had luck with obtaining seller financing from a broker/agent who understood the process. 

The premise that a 3% down FHA owner occupant loan is less risk to the lender than a 25% down investor loan is incorrect. 

If you intend for the latter to be the case, then just do a regular set of loan documents, with monthly interest only if he doesn't need the funds back as quickly, or P&I payments monthly with a balloon payment at the sooner of a maturity date or your sale of the property, and then you just pay him the monthly payments like any other mortgage loan to a bank, and only after that payment and any expenses (and maybe a reserve account for the premises) do you take the profit.

Here is a quote I received.Building purchase price is $105K, but replacement cost is around 550KCarrier = United States Liability Insurance CompanyCommercial Property Insurance premium = $1,208Commercial General Liability premium = $500Total Premium = $1708 per yearBuilding insurance for $130K limit, 80% coinsurance, $1000 deductibleBusiness income coverage of $36KEquipment breakdown coverage with deductible of $1000Commercial General Liability:Each occurrence = $1 millionPersonal Injury and Advertising Injury = $1 millionMedical expenses = $5KDamage to premises rented to you = $100KGeneral aggregate = $2 millionGeneral liability deductible = $0Please let me know what you think of the above coverage and deductibles?