@Brent CoombsI do believe i could get all my cash back, I have heard this method preached by many people on BP over and over again and I'm convinced it will work...but you must understand that this is our first one so there is always the air of uncertainty since we haven't gone through the process. 

That will apply more upward pressure to values in the area, as I think the shopping center is kind of a drag on values currently.

One thing to consider is that I don't believe it is technically legal to VRBO/AirBNB. http://kutv.com/news/get-gephardt/air-bnb-rentals-...I did have a friend who used his house as a winter ski rental and seemed to have good success with it.

While most Net Zero buildings are energy efficient, perhaps even highly so in comparison to minimum building code requirements, there is nothing requiring them to anywhere new the efficiency level of a Passivhaus   .... this is why you will see odd things like warehouses with large rooftop solar installations being able to claim Net Zero.On the other hand, Passivhaus sets three metrics which a building must meet to be certified as Passivhaus compliant:  The building must have a heating and cooling demand of not more than 15 kWh/m2 (4,755 BTU/sq ft; 5.017 MJ/sq ft) per year  and a peak heat load of 10 W/m2.Total primary energy consumption (energy for heating, hot water and electricity) must not be more than 120 kWh/m2 (38,040 BTU/sq ft; 40.13 MJ/sq ft) per yearThe building must not leak more air than 0.6 times the house volume per hour (n50 ≤ 0.6 / hour) at 50 Pa (0.0073 psi) as tested by a blower door.Ironically, the research and pilot projects which fuelled what eventually became the Passivhaus standard was carried out in Saskatchewan as a National Research Council (NRC) project in the 1970s (the house is still in use today) and a similar project (Minnesota?)

What DF did to investors is put us into a box of "preditor lenders" that DTI and 1003 and ATR ability to repay is the regs attempt to force us to prove this loan is NOT preditory, is affordable and a good value.A lesser talked about need is to show that selling price is "market value" and not a picked out of thin air price the investor picked to their advantage.  

If the seller or tenants refuse to do this, then you can ask the seller to put 45 days of PITI + expenses in escrow with the remaining balance refundable back to the seller if the tenants move out earlier than 45 days (this however, does not guarantee that the tenants will move out within 45 days but it does put pressure on the now seller/landlord to push for option 1 - having the tenants sign something). 

However, we aren't feeling any pressure to get a deal. 

HVAC service call for no heat/air or plumber to fix leak or regular grass cutting) and it also assumes there are no capital expenses ever (ex. need to replace water heater or furnace).Looks like there's plenty of a cushion to account for those things, but 35% is if everything runs perfectly forever which isn't going to happen!

This as opposed to feeling the pressure of having to know everything before you do anything - that's often overwhelming and distracting.

Otherwise from a portfolio standpoint there is going to be some pressure to exit the loans by month 36 which could cost the return some performance return.