I 100% endorse adding in the escrows for taxes and insurance to set the buyer/borrower up for success. 

please let me know if you have successfully completed a creative finance deal and you have some terms example breakdowns i can take a look at much appreciated im trying to buy an apartment complex asap

I've selected Collin, Denton, and Grayson counties as my investment focus.My goals involve investing in multifamily properties and long-term rentals.

for long term renters? 

Here's the City link for you to reference. https://www.chicago.gov/city/en/depts/doh/provdrs/homeowners...1) ADU regulations specifically exclude Short-Term Rentals so don't do it if the intention is to short-term rental. 2) The ceiling height oh 6'10" is almost guaranteed to trigger digging a basement if you want to formalize as an ADU unit, especially if that height is further reduced by pipes or HVAC. 3)Ingress/egress is an issue for renting, as is that any bedroom also will need two (ie operable window/doorway).

Avery Carl's Book, 'Short-term rental, long-term wealth' How did you find this deal and how did you negotiate it?

I had one short term rental that was granted a permit earlier this year and I have been operating it for months now as an STR.

If they try to find another place, they’ll usually realize they already have a great deal and stay.8.Long-term tenants can be worth a slight discount.

This deal, i used my first successful buy and hold property and pulled a HELOC to secure financing and reserves.

While it provides opportunities for buyers who may not qualify for traditional loans, it's important to ensure affordability and long-term sustainability.