The proposed tax rates for buildings sold within five years of being purchased: Sale within one year: 24 percentTwo years: 22 percentThree years: 20 percentFour years: 18 percentFive years: 14 percentThe tax would not apply to “single-family homes, condos, owner-occupied tenancies in common, properties not being sold at a profit, new construction, properties being turned into affordable housing, and buildings with more than 30 units.”

I would get proposals from all 3 and inform your vendor(s) that is your intention.  

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@Jay Hinrichs  and what would YOU propose? 

That's why it is important in such situations for you to make sure that the amount being requested for the construction loan is sufficient to build what is proposed, but not enough so as to encumber the property for more than is necessary, along with the other precautions I have outlined.

What he is proposing will not fly with a bank and it sounds like his owner financing terms would cost you a ton of money in negative cashflow every month (on average).  

I'm going to propose to her that I'll give her the 10k, and I'll assume her mortgage.

May I propose an alternative theory?  

But part of underwriting a loan is to look at income versus what the proposed payment will be.  

I am working with our securities folks on doing some no action letters to the SEC around some items I think would greatly benefit the space too.I'm interested to see what you're proposing for your site Mark.