@David To  Yes she has been paying me a discounted rate we agreed on in March.

I am making an offer soon that I hope is similar (near retail at slight discount rate) that is class A unit in a vacation market.  

I pay my CPA for QB's and get a small discount.

I just had a bank tell me they would take a 40%+ discount on a $400k asset which six months ago they would have wanted a 10-15% discount.

As I addressed in another discussion, most money in real estate is made by long term appreciation and by improving, repositioning, and stabilizing the property, NOT thru purchasing at a discounted price.  

It's the one-year required management agreement at 10% that can get you (although you can re-up the following year at a discount if you pay the entire year at once).What you definitely need to avoid is leasing through them, should your property become vacant.

Consequently you either sell to the least qualified owner occupant imaginable, likely pay 6% seller assist, get crushed through the home inspection process or come to the conclusion going through that process 4 times is not worth the hassle and find an investor to purchase the homes as a package at a discounted price.

Our Fourplex 100% ownership strategy has evolved over time, and based on feedback from William and others, we now charge a 20% down payment, instead of 30%.Secondly, we now pay the investor interest on the down payment, as a discount on the final price.

Investors made offers to other investors to be bought out at 75 cents on the dollar (pretty normal process in trust deed lending - either stay in the deal until the end - or get out now at a discount.)

Its probably best to proceed with two separate DSCR cash out refinance with one broker who can get you lender discounts.