If the bank will call their note if you commit to the transfer you can also check out this article as one strategy that has been used to work around the issue.This is not legal advice, just my opinion as a real estate investor.

Quote from @Arshiya Taami: I am planning on purchasing a profitable business with its real estate included in florida and the dscr is 1.85. the problem is im just short of 600k for the down payment. that being said, can anyone provide me any reputable loan companies that will offer bridge loans and what their requirements are. thank you in advance! 

If a septic system would be required, you may want to check if the lots will perc. 

Our current mortgage terms include a late fee after 5 days, so they’re already paying extra each month and have to split the total monthly payment up between 2-3 payments when they get their pay check.

Question 1: I’m aware of Reno 203k loan and Fannie Mae home style construction loan.

Loan terms seem reasonable.

I am looking to see if there are ways to get creative with downpayment on commercial loans.

DCSR Loan

I've brokered over 300 DSCR loans.

@Colleen A Levitt check if you have a prepay penalty and what the seasoning requirements would be for the new loan to recognize the new value.