Since I am bringing a good deal to the table I thought a 50-50 split would be best.

Anything else: I provide a welcome letter for the tenant, which includes information on setting up water, internet, etc..

Aside from the massive time crunch, other problems cropped up as the bathroom was stripped down - a water line snapped in the crawl space; some drywall had to be replaced; etc.

I like @Rick's response - - UNLESS you are a party to the transaction (for clarity, the buyer OR the seller) you'll only muddy the water and if you were involved as a contractor at any capacity, you can easily get your name sullied needlessly. 

That's the world of Commercial Lending - -Pro:- the CU is treating you as a professional - - not too common for CUsCon:- the ARM and refi Typically, these loans are  X years, Due in Y (implicitly coming due with a balloon payment.The X years sets  the amortization table and you refi at Y years;  eg 20/due in 5The propert(ies) are already vouching for you (hence Com Loan), so when the Y years arrives, you're refi'ing the balloon amount and it should be a cakewalk with the same CU unless the IMF, EU, & US Treasury all go belly-up.

If you wind up overpaying $10k now, that's money you'll have to bring to the table at the refinance in 3 years.  

On average what kind of Fixed expenses am i looking at for Water, Sewere, Electricity and garbage. 

Well water and septic are typically significantly easier to do that setting up for city/public services. 

I am going to list the high points below:List price $35,000.00Negotiate down to $29,750.00 (15% reduction)Down payment of 15% = $4,462.50My principal = $25,287.50Interest Rate = 5%Term on loan = 15 yrsNote = $199.97Sale price to lease option holder = $44,625.00 (1.5 x my purchase price)Down payment paid by buyer = $4,462.50 (10% of purchase price)Buyer principal = $40,162.50Interest charged to buyer = 8%Buyer term on loan = 15 yrsTaxes = $50.00 (added directly to buyers monthly payment)Insurance = $50.00 (added directly to buyers monthly payment)Buyers monthly payment = $483.81 (Note + Taxes + Insurance)Buyer covers all maintenance and repairsMy monthly profit $183.84The beauty of this plan to me is that the amount I put down in a down payment is the same amount that the buyer pays me in a down payment which causes me to have ZERO money on the table when they start making monthly payments.  

As soon as you inquire about business/commercial lending it's like they smell blood in the water, they want higher downpayments, rates go up, length of loans goes down, and the process is way more of a hassle.