I appreciate you sharing this because while I specialize in financing for self employed investors whose tax returns don't qualify them for conventional financing, I'm always looking to build relationships with great local banks so that I can build my business in that direction too. 

Would the 10% fee dig into your returns in a way that you cannot deal with?

Obviously more money down would mean a lower mortgage amount, but at the same time less money down leads to a higher CoC return.

This is in case something bad happens during the pump and inspection, it can be returned to working order.

Currently the buyers closing attorney is not returning calls and the buyer isn't too happy about the mix up.

It's easier to sleep when a hail storm is rolling through the area, as I am only responsible for "studs in".The newer age of the units has provided very few maintenence requests and the neighborhoods attract very good neighbors and have a great school district.All that being said, my CoC returns leave some to be desired (7.xx%), but I have had great returns on appreciation with the areas boom.

What is Estimated Principal Reduction and why is it added to my total return before taxes? 

That advice may not cost the investor directly – it will appear free – but the dealer will receive a commission from the issuer that will otherwise reduce the investment’s potential return.

and called the selling agent to telling her to tell the seller to return the fridge or give me credit for a new one (they returned the old fridge which I still use). 

It sounds interesting but potentially cost prohibitive or not having a great return for the cost of the adu build.Do you have any examples or know of anyone that has purchased a sfh and built an adu successfully for cash flow?