Your bank today on the loan might have sold the loan to someone else, kept the loan and the bank was bought out by other bank, not loan as much on commercial real estate anymore, etc.

Seller Financing Terms - 10% Down, 5.5% Interest Only Loan w/ a 5 Year Ballon Payment.How did you add value to the deal?

I'm not familiar with loan applications for non-US citizens, but Greenville is still a great place to invest when you find off-market deals.

First, I would never try and provide tax advice to a seller, it will get you sued, especially to a 100 year old person.Regarding seller finance, since the amount is spread out over long term, they should check with their CPA on how they are or are not taxed on the gains as well as interest on the loan.

@Brandon Weis, the reason and the only reason why they cannot use the rental income on the other units for a conventional loan is because you probably live rent free and don't have a housing expense.

I would start by talking to a lender who deals with construction loans.

I've always gotten a signed "authorization to release loan info" from the owner on record. 

Quote from @Steve Tse: @Jason Taken why are you giving me a contact of a loan officer when I am looking for insurance coverage ...? 

You can get a second home loan 10% down and look for a turn key property in FL. 

@Dan Dares TMYou can use your familyMember but they will need to be a part of the deal and the bank will most likely want them to personally guarantee the loan.