Best practice is to keep one or two payments in reserve from the buyers down payment for such instances.

Hypothetically, if I found a property with strong rental demand, the income could cover loan payments, operating expenses, and generate a modest positive cash flow.While this example involves upfront risks, the idea would be to leverage my father’s expertise as a contractor to minimize renovation costs, boost the property’s value, and create a long-term asset that appreciates over time.

You’re not going to find a safe way to do what you want unless you or the “buyer” has enough cash to pay off the note. 

@Jordan Moorhead I know of many single-asset syndications as well as funds that pay distributions but have negative operational cash flow.

Have the co-op take out a loan for 60% of building value, then charge buyers 20% of value in cash for each unit. 

In terms of my goals, I concentrate/focus on three metrics (and cash flow isn't one of them because that can be manipulated). 

FHA LoansIf your down payment savings and your credit score aren’t where you want them to be, an FHA loan could be your pathway to buying a home.

If you aren't paying cash and are doing owner occupancy you may be able to use FHA instead of Conventional with a higher down payment. 

You can test this, by asking some to SHOW you how they calculate ROI, Cap Rates, Cash-on-Cash, etc., for their clients.Many will say, "that's the investor's problem".They are correct because an investor should NOT rely anyone else to run their numbers.So, then what exactly makes them investor-friendly?

I finally understand that credit card payments are exempt from needing to send 1099's.