I asked about Zelle, it is only a service for US Banks, not internationally.     

If you DM me, I can send suggestions.Yes, you'll want to record the docs after you execute the transaction.Also, don't self-service the loan.

Meanwhile, your expenses, like debt service, taxes, insurance, and maintenance, continue.

Quote from @Diego Renteria: Dang you were in the recycled fart machine, thanks for your service. what are OOS options?

You should definitely talk to your CPA, which I am not, but...My understanding is that until you actually have a business, meaning a property in services, nothing can be deducted.

@Alan Asriants Since you already received your decision,  I assume you selected the non oral hearing option?

@Mary LopezThere are second tier lenders out there (non-banks) that will do small balance commercial. 

@Dave Harlan They have an amazing product but your better off using a mortgage broker with a great reputation for customer service because they offer wholesale pricing advantages to their brokers and the only complaints I've ever heard about them have come from service issues on the retail side.

He bought the property pre COVID, so his cash flow is definitely going to be different than what mine will be.The question I'm wondering if its a good idea and if the numbers make sense.Purchase Price: $100,000Down payment: $20,000 (20%)Current cashflow: $900Property manager: $90 (10%)His expense for 12 months was only $1,430 (inspections, repairs, management, eviction services). 

So, a BUYER that needs owner financing...what if they just used "non-traditional financing"?