Here is a blog where I wrote about a recent 42 unit we bought and did creative things to add value. https://www.biggerpockets.com/renewsblog/bought-multi-million-dollar-apartment-complex-age-26/Just a few ways to produce ancillary income:- Laundry Coin laundryDetergent/laundry essentials in a vending machine in the common area laundry rooms.Rent individual W/D to each unit-Parking Garage parkingCovered parkingprime spot parkingJust plain old charge for parking-Renovations Interior units upgradesCommon area renovationExterior upgrades for curb appeal-Vending machines In common areas such as exercise room, pool house, laundry or leasing office-Trash pick up service In high-end buildings they have a service where you can set trash outside your door and for a fee maintenance will go around each night and collect it so the resident doesn't have to carry it to the dumpster.

As a buy and hold investor myself, I find it hard to sell something that I know will produce income.  

Instead of maxing out a 401(k) and losing access to that money, he can look at alternative investments that produce passive income.

Also, what is the outcome that you are trying to produce?

I suspect there is a different mortgage or sales price involved to produce that profit.  

Technically more since you probably don't commute on weekends and they'll be producing more content during those 3 months.  

If I offer an interest only return of let's say 6% for X amount, how can I prove to the lender that I can produce?

Normally I would serve a 30 day notice to quit in this situation.Upon further investigation, it seems the tenants are related to the seller, and neither have produced a written lease yet.  

Yes, you want current income and a personal portfolio, but over the long term, that Roth IRA if invested well can produce a whole lot of tax-free money for you in the future.  

For me it is.Sure, if I went conventional and put 20% down at 4.5%, it would look amazing.But that wasn’t an option for me at the current time.I will have more deals in the future where I can go that route.For now, this gets me in the game, builds a relationship with a commercial lender, gives me experience, and puts a few hundred dollars a month in my pocket, while having none of my own money in the deal.I’m damn proud of myself, because I passed on other deals that I knew would work, but not in the way that I wanted in the present.I needed to pull all of my money out, and I succeeded.Looking forward to placing tenants and get the place producing.