I hi need your help, my aunt has a small comercial center in Donna texas, and she may be able to sell me the property, it costs $1.1 million usd with a potencial $108,600 usd in yearly rents, actually it has a 85% occupancy and gets $93,000 usd in yearly rentshow can a get a loan to purchase the property?

I´m from Monterrey Mexico, as many mexicans I have a lot of relatives in Texas, a few months ago one of my uncles passed away and my aunt is selling some of the properties she has, becausse she doesnt want to manage them, one of them is a small comercial center (9 spaces) and I´m trying to see if there´s a way for me to get a loan and purchase the propertyIt costs $1.1 million usd with a potencial of $108,600 usd in yearly rents, actually it has a 85% occupancy and gets $93,000 usd in yearly rentsthanks a lot in advance

That number is even higher because we increased occupancy by around 40%

there are some programs  for bad credit if one intents to be an owner occupant for at least a year.

Of course it is OK to talk to the Occupants.

We'll we get an email saying they are going to extend the bidding to early next week.My worry is an owner occupant might put in a higher offer.

Buy it as an owner occupant now.

Here are the expenses: Repairs: $30,000Interest paid: $66,000Loan points paid: $10,700Carrying costs (insurance, taxes) $9,500Lawyers fees: $2,500Payment to occupant: $22,500Closing costs: $28,000Total expenses: $169,200Here is other income I made on the property: Rent received: $17,600Commission made when buying: $16,050Total income: $33,650Total profit made on this deal: Selling price: $802,000Expenses: $169,200Income: $33,650Purchase price: $535,000Total profit: $131,450It was a good flip but stressful!

If its an occupied foreclosure where the bank "knows nothing" and there are "no interior inspections - do not disturb tenants", at least visually inspect the exterior for signs of deferred maintenance and look for signs of occupancy like an empty mailbox @7pm, lights on, car tracks in snow, prior to making your offer. 

Your are competing with owner occupants.