I recall a specific framework of business start up along the lines of starting with yourself, then adding an Admin, then an Ops, and then other support functions after that. 

I was actually a student at the university there not too long ago, part of the wine program.

When my accountant was with H&R Block they functioned this way and even though he could prepare my return in about 1.25 hours it would cost me $1800 because of the number of inputs I had specifically from my 7 properties.

Any lenders have a program that would lend the gap with an acceptable downpayment?

Onsite management rental program already in place.

They might know programs that can help fill the gaps!

Commercial requires the property to be livable (not subject to), usually a 95% to 100% occupancy ratio, DSCR (rents) at 1.25% or higher, PFS, Strong assets, 12-18 months reserves, Fico above 700, I have seen lower but rate will be higher and in most cases cause the DSCR ratio to be under 1.25%.If you own a primary you might be able to use an SBA type program but those are not great.

If the buyer has no capital and is a recent “graduate” of a guru mentorship program and needs to borrow the earnest money, then disaster is predetermined. 

Government programs like FHA 203(k) can assist in purchasing and renovating homes, but certain regulations apply.

For your New construction program, we have an SBA program where we can get you up to a $5m Guided line of credit, with By Annual Payments, the line is good for 5 years.