Our trainer was very knowledgeable, with many, many case studies of actual deals which was impressive. 

Are you implying that your husband does those things as part of (included in) the management fee? 

This implies that 6 months reserve would have covered 2020 pretty easy but may not have been sufficient to handle both 2020 and 2021.One thing to keep in mind with these numbers is that I could have converted to LTR and lessoned my impact, but I had the reserves to not have to be too concerned. 

One of my favorite things the trainer said that stuck with me was SWSWSW:"Some will, some won't, so what"Keep this in mind when your friends have burned you and gone with "more experience agents" and any other time you are feeling disappointed because things aren't going well.

That isn't clear.If you have "investors" that implies they have money, if they have money, they need to see an attorney.

This implies that the ADU addition starts with an initial negative position.  

It's like the people that make up excuses to skip going to gym but they'll pay a personal trainer (in part) because they know they won't skip those days because it's costing them money.Not to mention you then have someone (as a mentor) who should feel some obligation to help you. 

You said it yourself, it's a non-refundable down payment, which by definition implies no refunds.

Greed implies that a person's desire for material gain is excessive.

So it's like an on demand personal trainer.