The main difference is in how they are valued.In my experience smaller apartments, 25 and under, usually require bank loans and some banks do care about your creditworthiness. 

When taking out a conventional mortgage or refinancing, how much does elapsed time affect credit worthiness on your next loan?

Annual audits and reviews aren't uncommon in commercial or personal banking type scenarios where a large part of your credit worthiness is influenced by 'who' you are.

I figure you guys are more experts then anyone I'm wondering based on this info what is this building worth.Hard for someone to determine the value with out knowing the market, creditworthiness of the tenants(all govt?)

I’m of the opinion that if she is not credit worthy and can’t come up with the buy out money and rehab funds, then she probably can’t afford it. 

@Tal Mashhadian Adding to what @Joel Owens said about tenant creditworthiness, what is the financial strength and backing of your tenant who is wanting to take over 75% of your building?

Your creditworthiness will also play a role, of course. 

Basically what this will do is it will eliminate your housing costs from your Debt to Income Ratio that the bank underwriters use to determine your credit-worthiness.

During times when banks are risk-averse and reluctant to lend money to any but the most creditworthy borrowers, seller financing can make it possible for many more people to buy homes.

Most commercial banks will lend based on the cash flow of the property as well as the credit worthiness of the borrower.