I don’t know the courts well enough to know if there is any one or a combination of an older seller, potential for loan being seen as a personal/consumer loan and the rate of return would be enough to cause this deal to be completely dismissed as a consumer loan if I had to bring it to court for non-performance.Thanks in advance for any thoughts.

I even got a minor raise at work (which helps but am still short) and I am planning on moving in the next couple of months to bring my rent down about $200, also, I have $0 in other debts (student loans, consumer, etc.). 

I know I'm new to real estate investing, so I have been consuming a huge deal of information recently (Thank you, Bigger Pockets podcast!) 

Getting a single large client can be great - but that person will quickly realize that they have you by the proverbial short hairs and can really jerk you around if they want to.Also, if you grow quickly and suddenly need to add people, getting paid after work is done can really create a cash crunch if you need to meet a weekly pay roll, or if you're suddenly consuming 500% more gas, consumables, materials, etc...

Sorry for the broad question,but I’m looking to consume as much information as I can for creatively financing commercial properties as a newbie investor.

It can be time consuming and expensive.

I'm researching strategies that might allow me to keep working my super time consuming job which I love.Thanks so much for all the info and expertise I've gained so far!

it's the same process for commercial as it is for consumer.

They're hoping to stimulate the economy and restore confidence because rates influence consumer and business confidence, at least that's what I think they're trying to do, let's see if it's enough to counter what's been going on.

The conditions and concerns are different now...GDP is expected to be in recession territory for Q1 and Q2 2020 due to supply chain disruption, decline in exports, travel restrictions, and reduced consumer spending all from the virus.