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Ask for one written schedule split into acquisition, annual holding, sale and inheritance costs. For every line, have the adviser state who normally pays it, what amount or value it is calculated from, when it becomes due, and whether it changes with your ownership structure or residency. That...

Given the age, nearby trees and size of the possible bill, I would add it if the operator can actually inspect the relevant private section. The comparison is not really scope cost versus no cost; it is scope cost versus accepting an unknown that could affect your repair budget immediately after...

The 5.12% figure needs unpacking. Rate, loan balance, term and repayment structure all matter. Run the same unit with no debt, your proposed debt, and a higher financing cost. That shows whether the problem is the flat, the leverage, or both.

First, separate the property from the financing. Calculate net operating income before debt, then apply several loan amounts. If the flat is weak without leverage, a bigger deposit only hides the issue rather than improving the underlying rental deal.