A factor could be I'm looking at putting 3-5% down rather than the normal 20% to save capitol for the basement renovation.

If you are trying to use it as collateral in replace of a down payment or as income thats not going to work. 

It ended up costing us $50,000 in additional expenses across 25 windows because once we changed the windows, we had to bring the framing around the windows up to 2023 code - which required removing the already installed windows and reframing each window down to how the studs were strapped with metal straps down at the floor.  

I am looking at structuring a deal and I'm worried the DSCR will be too low and the deal may benefit from restructuring by purchasing the 2 vacant out of the 12 otherwise occupied units with hard money as opposed to trying to purchase all 12 with a institutional loan just because I'm worried the 2 vacancies will drag down the DSCR for the new purchase.    

(BTW, just because they are complex, does not make the structures fraudulent or illegal.)In many ways, this comes down to a business decision. 

Try to narrow down your options to the top 3-4.

Could you simply look at buying in Austin with only 3.5%-5% down as a new primary residence and converting your Midland property into an investment with a monthly cashflow of $500?

Hi everybody, I have become close with a seller who is looking to sell the rest of his portfolio to me and is willing to work with me on the terms.He will make it so the properties will at least brake even on the cash flow side and only wants 10% down. 

At 7.5%, it doesn't sound like hard money financing but you also have a very low down payment there around 5%. 3.

I put in my time in finding the deal, financing half of the down payments, finding tenets for the property and general upkeep and maintenance.