my research shows 2.99% fee with Debit or Credit card to tenant if they pay use these forms of payment.

I think the main issue is believing that unsecured prom notes are Guaranteed. unless I saw the note and the note stated that ( which I highly doubt) the return of funds and payment of interest solely rests on the full faith and credit of what was invested in and the sponsor..

Also having a higher proportion of revenue generated through the residential component of the building does make financing easier. (3) The exception to the 80% rule I abide by is when the commercial space is leased to a credit tenant with a proven & sustainable business  or where the space presents the opportunity to attract a neighborhood amenity F&B operator (this is most beneficial in instances where you have a larger localized portfolio where these commercial tenants can positively impact the value of your overall residential portfolio).

Run a credit/screening report on yourself.

Can you give a little more insight on your credit?

I have a priority credit line on my brokerage account that is now > 1% lower interest rate than my mortgage.

Aloha,Keep in mind, NO credit is usually far better than BAD credit...and credit is only one element of your screening criteria.

Buy them well so you can refinance out the downpayment with a Home Equity Line of Credit with lenders that will do that for you and go shopping again.

.* Our agents met and we learned that the lowest they'd go was $510 because of a HELOC* We offered $520K with $10K seller credit to be used for closing costs.

I've got great credit and a healthy amount of capital compared the loan amount.