So they often will reduce the leverage of the loan (getting 65% instead of 75%) or deny it (which isn't as likely). 

Points, often referred to as discount points, are upfront fees paid directly to the lender at closing in exchange for a reduced interest rate on your mortgage.In a hard money loan, closing costs typically range from 2% to 5% of the loan amount, similar to traditional loans.

@Brandon MorganAn LLC will not reduce your taxes.

If the market is tough, I reduce the rent rate over the full 12-month term.

This type of deal can also help you minimize upfront costs, as you’re reducing the cash needed to buy the property outright by aligning the seller’s financial outcome with yours.While there may be details to work through, such as crafting a solid contract or ensuring alignment with any financing you bring in, these can be easily addressed with the right team in place.

2.Are there strategies to reduce the required down payment or secure better mortgage terms?

@Jay Hinrichs The energy is great thus far.

I wont not have coverage as i cant afford to pay out of pocket to replace a catastrophic event, but im always open to hearing how I could reduce costs.

Selling at FMV avoids the gift tax but provides your child with a higher tax basis, reducing their future capital gains liability.A better strategy for selling below FMV is to sell the house at FMV on an installment note, then forgive interest and principal annually up to the gift tax exclusion amount.

We reduce the number of investment properties to consider by about 99.6% using our data mining software.