It is usually allowable up to 6 - 12 months after the purchase. 3.Buildings are determined as commercial or residential based on the official cadastral category by the local council.4.Commercial mortgage LTV Max 60% depending on the specifics. 5.Not an issue using foreign income for affordability calculations if salary is taken into account. 6.Property valuation is conducted by a valuation company requested by the bank. 7.Residential mortgages can be up to around 80% LTV depending on affordability. 8.

That being said the main issue with leverage is being over leveraged.

@Tyler Speelman, A 1031 exchange solves the tax issue. 

We are down to the mid-tier, as we have already addressed the worst properties in the portfolio over the last two years.

Do you object to giving them DMV your address Or your bank?

However, this is a conservative regional bank, that is on the NASDAQ, so maybe that’s the issue?

Address changesPassport changes Name changes via marriageOther ownership changesWhat's the big deal?

Quote from @Joshua Kaufman: I'm having an issue with rent collection from a commercial tenant.

I have issues with numbers all the time here, mostly to do with impending property tax increases, so it would be nice to know this too.

Then tell us the nature of your remaining questions and concerns as to each remaining aspect, so people can have intelligent, focused, SHORT, conversations with you on each issue you present.