I expect that we will experience another period of extremely low interest rates due to Govt intervention in economic crisis to prop rates. 

The more complicated your business structure becomes, the more problems it can actually cause such as when looking for lending options, getting the best interest rate, keeping clean accounting, filing taxes, opening bank accounts, getting credit cards, executing a 1031, making title insurance claims or even triggering a due on sale clause, etc. 

You probably can't change the rate by much, you can raise it some if you include utilities.

Those programs may also have a list of lenders with better programs or rates for first time buyers.

With a 3-year decontrol period, I could transition the property to full market rate by mid-2029. 

Hi Luca,a rate/term bridge with rehab budget would be your best bet. there would be no PPP's since it's a bridge, you'd be able to pay off the existing lien, and you'd get your funds to do some renovations to the property.I should be able to help with this, but I'd need more information on the property and how much in rehab you are looking to do.

yes the MTR rates are 1.5-2x rent.

There's a lot of would-be investors in the Bay Area sitting on a ton of equity, but they have killer 3.5% interest rates from 2012 that they don't want to let go of.

Quote from @Charlie MacPherson: They seem like the textbook definition of time wasters and as an agent, time is your most precious resource.Unless they want to pay you a strong hourly rate for submitting - and let's call them what they are - garbage offers, tell them to lose your number.I am very tempted.

Off-market opportunity that we were purchasing 50% below market rate How did you find this deal and how did you negotiate it?