This effectively enables me to raise capital at 8% per annum, interest capitalizing, term forever.

Each option serves distinct purposes, and understanding their respective roles in the capital stack is crucial for effective financial structuring.Strategic Rationale for InvestmentThe rise in multifamily distress creates a ripe environment for mezzanine debt and preferred equity investors to support existing projects.

You can also require a paren on the lease for any student as a back up to cover damage outside the first. last and security.

They will get a $100,000 liability to cover fires, water damage, accidents, and more.As @Greg Scott stated, you should require your tenant to add you as "additional insured" on their policy.

For hardwood, that will take much longer and I'd bet they'd walk on it or move heavy furniture before the top coat is cured and damage it.

We’re eager to reconfigure that area into multiple units to enhance income potential.What strategies can we implement to address this situation effectively?

This is basically you paying into a bond that will pay damage and lost rents if you are unable to the landlord but this isn't a collective of money pooled together for the common good. 

To have a “job” that you in effect pay to have will get old real quick

General Question: After the new rules went into effects, how are people writing contracts with the buyer's agents.

The initial effect on mortgage rates was a subtle increase in long term bond yields, however in comparison to earlier this summer residential and commercial mortgage rates are down considerably.For example commercial lenders were in the 7%++ range just a few months ago, and recently are as low as 5.5%-6% and falling.