One of the challenges with the building is the bar on the first floor playing loud music late into the night.

No music.  

Generally, the recorded instrument that places the lien for the cross is in first position, so other liens will have to be subordinated to it.

Right I make decent money, 80k-100k, working in IT and some music ventures.

My professional background is in production management/ producing for Commercials and Music Videos.

Always hoping that when the music stops we will have a chair.

@Jimmy Clark I worked at Kapalua Bay Hotel...bartender at the pool bar and the Bay Club (now Merriman's)...Love to wiggle my toes in the sand while enjoying local music at Leilani's!

The rent vs the purchase price is AWESOME (music in the background kind of awesome!)

We're talking about a deed of trust, which is the standard mortgage instrument in CA.Putting lenders on title gives them ownership rights.

You could also explore fixed income mutual funds or ETFs, but these may lose principal.For the balance, consider that 10-12 years is a long enough time horizon that fixed income instruments - bonds, CDs, or debt funds - are subject to inflation risk.