You make a compelling point about the terminology and inherent considerations in commercial mortgages, particularly for assisted living facilities.

This approach involves risks and considerations, including due-on-sale clauses in existing mortgages.Credit Unions and Local Banks: Sometimes local credit unions or community banks can offer more flexible terms compared to larger institutions.

Often it's a site that has to be fully redeveloped to hold value and that cost considerable itself. 

You should be able to take into consideration if the property makes sense as a rental when you move out, will it cash flow then after a few years, or will part of your strategy be to fix up your side while you live there and then either move into the other side at some point to fix it up or to just sell when you’re ready to move to a different location if it doesn’t cash flow at that point.

I make all those considerations which allows me to generally know how much of that $300 will be cash flow.

A 5 plex vs 13 plex can have considerable financing considerations.. a strategic mortgage partner will be critical to answering some upfront questions to provide a property search framework. 

Here are some potential steps and considerations for your friend in dealing with this issue:Steps to TakeConsult with an Attorney: It is crucial to seek legal advice from an attorney who specializes in real estate law.

If i buy the property as myself and then transfer the title to the LLC, it could trigger the pay in full clause.

This information sharing is allowed under the Gramm-Leach-Bliley Act (GLBA) with the following considerations: Necessity: The information shared should be limited to what's necessary for the new servicer to handle the loan effectively.

I'll take this into consideration.