The next issue I think is we want this property for us since we just got the LLC started once the project is finalized we don’t have enough track record on the LLC or as a business owner to get a mortage or refinance the property under a mortage.

You pay 4%  credit card fee . . 

The price of the option, paid for by the potential purchaser of the property, is agreed upon and set and is non-refundable.Some sellers MIGHT credit the cost of the option back to the buyer of the property upon closing, but any details of the option may NOT refer to any lease.Why? 

They are subject to a credit, criminal, and eviction check just like other perspective tenant candidates.One thing I would suggest is asking them how much their subsidy is for.  

You are either paying with a higher rate to receive a lender credit, or paying the costs at closing. 

It'll be nice to use just one software, but I think it's better to use both Buildium and QuickBooks if you want to keep track of everything, likes your assets. 

I wanted to consolidate banking to a credit union as I am investing much more in real estate and SMBs.

I want to know how much skin they have in the game, the loan, and their track record.

Leveraging an owner occupied loan, putting as little as 5% down with a conventional mortgage (I have lenders that will offer NO pmi as well) and buying a multi family will fast track your REI journey. 

It performed well last year and has a proven track record.