Everything else is in line and depends on the property you are purchasing.Price: $71,733.48County Taxes (4/24 to 7/1): $80.58County Sewer (4/24 to 7/1) $35.93HOA Dues (4/24 to 7/1) $425.60Recording Fee: $60Title Company Fee: $136So my total closing costs were $738.11 or 1.03% of the purchase price.I'll try to dig up my last flip that I did in California to give you an idea of what I paid there.

If your interest rate is 10% I have to believe this is a short term loan.So, just a heads up, if you had to use your father it is probably because of his credit and b.g.

 Hey BiggerPockets family,I was just approved for an owner occupant, Fannie Mae, 5% down with a purchase price of $1.3 million for a 4plex in the Phoenix Metro of ArizonaMy middle FICO credit score is 759My current DTI debt to income ratio is 30%I have enough down payment, closing costs for the subject property, and enough liquid reserves for all 10 of my apartment buildings totaling 45 units in PHX Metro AZmy mortgage lender quoted me with a rate at 8.125% with me paying 0.156 points totaling $1,920My question is,does this 8.125% interest rate sound reasonable for an owner-occupied fourplex 5% down Fannie Mae conventional loan as of March 27th, 2024, at 1700 hours?

They do require that a permit be acquired (super easy) and hotel tax get paid (a little more complex but there are ways to make it easy), but otherwise there are no regulations to speak of.  

My partner and I worked with tax lien and tax deed investments for a couple years (2017 - 2019) and will continue to do that on the side.

Pricing can also depend on if you have Prepayment Penalties (or not) and credit scores of the guarantors.Great Question!

Looking at it as one big project or would I have to claim the gain of the first parcel on 2022 taxes and second parcel on 2023 taxes (Split cost of 20 acres in 2 and show a gain for each parcel sold) ? 

So he pays tax, seller finance does not eliminate taxes it just defers them.

Also, there is unpaid property tax as well, will the property tax be written off or which party will be responsible for it?

Isn't that giving them too much credit for future prospects?