Additionally, for me to refi these onto commercial notes would mean higher monthly payments, and my commercial lender would also want 20% down and for me to have a minimum of $36,000 in the bank in reserves to cover a year's worth of mortgage payments (which I don't quite have right now).So even if I wrote up a contract to purchase them and refi them, my bank would look at purchase price for the loan, not appraisal, so I'd have to come up with 20% of $174,000 for each one just to get them bought.I talked to my lawyer about setting up an LLC of some sort, and the lawyer was scratching his head on how to structure this.

Question in terms of title company, stupid question can it be any title company and what is the fee structure to get information like that?. 

Also is it best to purchase a solid row house for 30k and rent it out with a little rehab or buy a shell property for cheaper price tag and build it up as a new property. 

I'd like to work off a partnership with him to provide the most possible incentive, and I'm looking for the best structure to accomplish that.  

What would the deal be structured like for seller financing? 

Or would you say to yourself "well, I don't have a reason to go today so I'll just 'work from home;" and then at the end of day you find you've done nearly nothing for your business because there was no structure.  

They put gypsum boards over real tough southern yellow pine studs, then manually put on a brown coat over an inch thick, then a thin layer of egg shell finish. 

There are no structures on this lot and even when there was it was serviced by public sewer at the street.

If the challenge is "selling" a deal on a burnt out shell to a conventional lender, try this: Get private or hard money to acquire and rehab, get leases signed, THEN refinance through a traditional lender if you can meet their LTV requirements.Again, it's only a 4-unit.

She does know the value of most properties better than I do and could help me structure an educated offer.