We are making two TRID loans, one to the father and one to the son. The collateral will be a single property on which two vacation homes will be built. One appraisal has been done on the property. How do we disclose the appraisal fee? Do we split it 50/50 between the two loans? Do we prorate it based on the loan amounts or based on the construction costs for the two homes? Thanks!

Up to you. Very strange arrangement - if one quits paying you are going to have to foreclose on both. I hope you have legal counsel involved.

Legal counsel has been heavily involved, and, of course, the deal keeps changing. Thanks for pointing me in the right direction, Randy.