See if you can do an SBA loan at 10% versus a commercial loan at 25% downpayment.As far as investors:3. 

I’d suggest negotiating the furniture into the sale and then slowly swapping pieces later as you personalize the space.

For context, I will be assuming his VA loan at 5.1% and he will be doing seller financing for the remaining equity and sale price. 

.- Collect Tax Certificate to verify Property Taxes are Paid- Get a current statement from the seller to verify the existing balance, if they are delinquent, you can get the bank on the phone to verify the amount to make the loan current.- Review the loan documents, there is most likely a due on sale clause, which is why you won't find a title company to process these for you.

Send me a message and we can have a virtual coffee or an in-person coffee if you're around town.

You may have to do one as part of the loan process and I wouldn't want you to end up paying for 2 appraisals if the lender doesn't take the one you ordered on your own.

I too live in Marin, and feel it is a solid long term market for apprecaition, and utilizing the power of principle reduction.When it comes to refinancing, figure out what the loan costs will be, then divide that buy the monthly savings with the new loan in order to determine how long you have to maintain that loan to break even. 

I'm considering using hard money lenders or DSCR loans, but it seems like DSCR would be a bit complex.

It super easy you sign up to have a quick call and do a quick tutorial with a Rep and you receive a certificate that you give to the Banker/Loan officer.

You look like the kind of person who is going somewhere.