Analysis paralysis is pretty common once people start taking this seriously.A few things that help break through it: Get reps underwriting deals.

Or  with that cheap of a property is it common for a HML to fund the whole purchase price and renovation for a newby?

For context, I am a Non QM and Hard Money Lender with a national player who has dealt with investors here local to me, all throughout FL, as well as TX, TN, SC, NC, VA, PA, CA, AZ, OH, and probably a few more states.My point here, and the focus of this discussion, is that I have come across many different types of people, all who share the commonality of undertaking risk in investment real estate in some capacity for a faithful gain in the future.

I find it really off-putting, but the more houses we look at, the more common it appears to be.

There are a couple of others less commonly used.

Common sense will tell you the line between handyman and professional required territory.

Cast iron sewer lines were super common in the 50’s and can last anywhere from 50-100 years but usually show significant deterioration by 75 years.

TLDR: i did everything right once, applied for a permit > was approved > then starting renting as an STR > then 6 months letter I get an email that they approved that in error and I must cease all operations > I went to the "board" which was a joke and was still denied even when explaining this was their error and i invested quite a bit that I will now lose on.

Unless he actually damaged your property for example burned the house down through an error while working contractors insurance generally isn't going to cover anything I can think of for you.

I’m trying to get clarity on: • How lenders typically underwrite mixed-use assets like this• Whether garage-based commercial income can be counted toward DSCR• How private lenders usually structure mixed-use loans (LTV, rate, term)• Whether bridge financing makes sense for this type of purchase• Any common pitfalls when financing C-MX-3 urban infill properties• If anyone has experience combining residential rent + small commercial income for underwriting I’m not looking to advertise or raise capital here just want to make sure I’m structuring this the right way before moving forward.