The market already always could list at $1 co-op but very few actually did that, sellers also could always list with flat fee $500 MLS agents but most know the value of good agents and rarely did that.

A final 1003 at the top, provided from the actual lender should have that designation.

For other rental real estate enterprises, 250 or more hours of rental services are performed in at least three of the past five years.

I have around $15,000 in the bank which could afford a 3.5% down-payment, but closing costs and the first few months rent could be a stretch as my job hasn't started yet (The home would still be under construction so its possible I could achieve W2 income before actually paying a mortgage?).

By using a email collection service like “Emailcollect” you can inexpensively get past guest data and send out a monthly touch point about something that’s happening locally without it becoming a major drama of making up newsletters. 

But the logic would be the same: would adding an addition, that is designed as a second unit, actually add value OVER and ABOVE the cost of the addition?  

Nothing like having someone that doesn't just talk to talk but actually walks the walk. 😉 

Open a new application with an actual lender that isn't going to charge 12k in origination fees. 4.5% origination on this deal is insane, the broker / lender are ripping you.If you take this to another lender as is (not great credit, no experience, light rehab amount) you would likely get denied again. 

Hey there @Martin Kim - I am actually in Chicago, but work with several out-of-state investors on the general contracting side of real estate.If you are targeting northwest Indiana you should connect with @Eudith Vacio, she knows that area like the back of her hand and would be a great fit to help you out on the real estate agent side. 

The big question is what kind of service/experience are they bringing to the table?