Seems ethical to me as they'd be earning less for the same work without some change in contract or whatever.

Plus I kind of like the idea of only doing it when they are late, charging all of the extra fees so it stings quite their wallet quite a bit.

I doubt the buyer will have any extra funds to cover the spread in option 1.

i live in ca so i know i would have to foreign file here in ca. im sure it will be an extra expense having a foreign llc but am willing to overlook the extra expenditure if it will ultimately protect my assets BETTER than what a california llc can do...looking forward to some words of wisdom. thanks in advance

If you do this, you can end up spending many many many more hours babysitting a property than the extra cash is worth.

If rates were higher, the banks would feel real pain from holding these non-earning assets.

The buyer has no extra funds to pull from.

It is geat to hear you are focusing on developing a business plan, learning and networking before risking you hard earned money.

My new plan is to not advertise that they are included, and then charge an extra $25/month if they want one installed.

Nice thing about ETC is the bill pay feature as it allows you to make payments w/ no extra costs for regular processing.