I was hoping to structure a deal that involves paying the seller every month and then a balloon payment in 5 years (when I can get an 80% LTV cash out refinance to put a mortgage on the property without having to put any money down because I'll have built up at least 20%).

All are personally owned with insurance, but no LLCs or other legal structure.

This can also make it easier to secure financing for the future multi-residential building, as you can structure it separately from the retail business.

Doing a deal like this makes sense to myself as an investor if I were to do it with 0% of my own money down and if it was structured and laid out for me.

Looking for ideas on how to structure my late fees and what you charge.  

Fees and Contracts: - What are your management fees and how are they structured (flat fee, percentage of rent)?

@Jon KimCreate the structure of the partnership.

Either the preferred equity structure or providing an updated valuation for the capital call to invest at, makes the most sense.

Private money lenders can also be more flexible with terms, allowing you to structure deals in ways that better match your cash flow needs or renovation timelines.Re-evaluating your financing strategy periodically ensures that you’re optimizing not only for the best rates but also for terms that align with your investment goals.

If you need advice on financing or structuring deals, feel free to reach out!