It might be worth a point or percent for a higher LTV loan or to be able to pay everything when the property sells, thereby preserving working capital.

Andy, with my goals I can see advantages both ways.I want to preserve my ability to acquire and finance additional properties.

In any case, only finding good deals will allow you to preserve (or quickly regain/multiply) your cash.

I want to make a profit, while preserving historic structures.

In San Francisco and other high price towns, the planning environment is strongly biased towards preserving the status quo.  

3) Could there be some kind of motivation that drives banks to pay 5 to 6 percent commissions, asset management fees and property preservation fees on millions of properties listed each year, when there are so many buyers that would LOVE to take them off their hands?

If you care about the seller you think creatively.Lease to own is a good solution that helps the seller preserve their little equity they have.Say you put a sign out the front yardLease to Ownowner will finance with $5000 down555-5555You do have to qualify these buyers that want to buy a Lease to OwnI use RMLO which is a registered mortgage loan originator because of Dodd Frank and seller financing.Let's just keep it simple and look at the result.Say you're an agent talking to the seller about lease to own."

Father was chef & restaurateur... following in footsteps with food interest (but will never open restaurant to preserve sanity)... dabble in Porsche restoration.

@Danielle Prendergast -If a borrower doesn't want to preserve their credit, there's nothing you can do other than explain how a short sale can accomplish this goal.

The loan is no points at 4.75.So the dilemma is whether or not to pay for the transfer cost of holding title in my name verses an LLC in order to secure the loan, or to seek out a non recourse loan in order to preserve the current recording of the title.Thanks in advance for your advice.