The neighbor has  even threatened to charge my mom back rent for the use of the land.

I think the rate would be higher so I to compare ROI on 5% capital returned vs additional interest charges.

For instance, the cost to prepare a return for a single individual will be different than for a married individual with children, all else being equal.Other drivers are the cost of living where your CPA is located (CA CPAs are more expensive than AL CPAs), their practice's overhead, and the CPA's experience and knowledge level.I don't know of any practitioner who wouldn't charge for more states. 

I wish I had the gut to be as aggressive as you but I'm forecasting hitting my goals in 7 years in which when I run the numbers more and more the BRRRR strategy appears to be the best and safest bet.

If they price the loan based on the assumption of a 3% discount, and now circumstances change, the discount rate charged is for the loan 5%, from another loan buyer, either they eat the extra costs, not do the loan, or reprice it.For instance, once I wasn't sure if I was going to live in a rental I was buying, asked the bank whether it's going to be a OO loan or a NOO loan.

You're inspector is able to do them all, but will charge differently, and create different reports based off that info.

Your best bet is to go to their website and try to set up a 1-on-1 call to learn more about them and their business. 

Most bet on future appreciation. 

If you are wanting higher cashflow numbers, the midwest is probably your best bet. 

Julius seems good if you want to pick up a single scratch and dent appliance, but felt sketchy and had delivery charges.