As such, I understand that I cannot be made liable for the payback of the loan, rather my 401k needs to stand as credit worthy on it's own for any loan product.

The thing is I've spent so much time contributing to the forums I just wanted to make sure that readers who are unfamiliar with the topics don't think that I'm just writing pieces of self-serving rubbish.I also understand your reaction, as my negative comments about the creditworthiness of Costa Rica (or the lack thereof) applies more to the concession and less to your situation.I mentioned that I'd never buy a concession as an investor.

Credit Worthiness and the property cash flow is all that matters to qualify.As far as credit scores go, once you get a MIDDLE score over 780, you don't gain anything.Keep in mind. 

The person loaning you that money is loaning it based on your credit worthiness. 

Vegas or shopping is the least of the things that could go wrong with this, including screwing up your future credit worthiness, short term and long term.

That is what all that inflated price is, taking advantage of a less than credit worthy buyer.  

Assume the properties will appraise and I am credit worthy. 

I have to answer your question in a slightly different way, as in the case of Triple Net leases different rules apply.The best financing (CTL financing) is available if you have an Investment Grade Tenant such as Walgreens and a remaining lease term of at least 10 years plus.CTL financing is negotiable at 100% plus, but you need to know the "language" and the rules of the game.There is no school where you can learn the game, and the insiders typically do not share their knowledge.So CTL financing is determined by the creditworthiness of the tenant and the strength of the lease; not by the appraised value of the building.With Non-Investment grade tenants you (only) have access to regular sources of financing, and the normal rules apply.Hope this helps.Louis Bergman

The "trust" to lend to a customer comes from the asset (and location of the asset), their creditworthiness, and their experience. 

The plan is they’ll buy it from me in a year or two, once they’re credit worthy.