I have been considering asking to buy the single family in cash to separate the deal but would like that amount to be subtracted from the purchase price while keeping the cash I would spend on the down payment the same to include the single family that way the seller gets the same amount of cash upfront.

How much is the loan amount you are looking for?

This amount is into the 6 figure range meaning that I will need to come out of pocket with an amount greater than my initial investment in the building in the event a major earthquake would destroy the building.

I have a great credit score and a good amount of money saved.

I think that's a nice amount of money for their work.

It has the interest rate (7.3%), and then a higher amount for APR (7.8%). 

While its not cashflowing, its been a great experience, I've been learning a crazy amount of DIY things!

Their answers are always along the lines of "no money down" or "you can use it basically an unlimited amount of times".

PITI amount is $566.00. 

I have a reasonable amount of cash on hand, excellent credit, and low debt-to-income ratio.