Thanks in advance Just to put a name on the situation, the road you are going down right now is called "mortgage fraud" and I believe its a federal offense, unless I'm mistaken.You signed a contract that said "I will live here for 12 months" and now you are trying to NOT live there for 12 months.

As such, it is necessary to learn how to properly identify rehab costs and there are literally hundreds of threads on here on that topic, many of which I have gone into great detail on as have others.As an example, two identical houses on same street, model matches.

If your plan is to rent out both units from the start, that would constitute mortgage fraud and that ain't good.Regarding your analysis:Closing costs look high.Vacancy will probably be 2X what you have.

According to the Pennsylvania Landlord Tenant Act of 1951, Section 250.201:Real property, including any personal property thereon, may be leased for a term of not more than three years by a landlord or his agent to a tenant or his agent, by oral or written contract or agreement.Source: https://casetext.com/statute/pennsylvania-statutes/statutes-unconsolidated/title-68-ps-real-and-personal-property/chapter-8-landlord-and-tenant/landlord-and-tenant-act-of-1951/article-ii-creation-of-leases-statute-of-frauds-mortgaging-of-leaseholds/section-250201-leases-for-not-more-than-three-yearsI’d consult with a local landlord-tenant attorney in your state and confirm, but it seems pretty clear cut. 

If you're representing this as equity you own you're giving a false impression to the lender and are arguably committing loan fraud.  

The benefit is probably not worth committing fraud over.

Realistically if they cannot obtain the title after closing they would sue you for fraud anyway as you were not the legal owner. 

Unfortunately, I've seen this happen.If you lent to the LLC, there's not much you can do unless you can determine and prove that they commited fraud in their dealings with you.

I think it is a phishing and fraud company.https://www.freedomfinancesreview.com/post/john-david-moon-s-info

I don't want to commit mortgage fraud because of the oregon law.