I'm curious what would be some different ways I could look at structuring the deal, and is the 10% return going to be attractive to people who invest in deals like this?

The prospect primary job is in apartment property management, but that job doesn't cover our 3.5x income requirement, the prospect has picked up 2 additional jobs that were really recent like this month and last month and one of them is the one I'm currently talking here about.

On top of that, Section 8 tenants are more trouble than the average paying tenant, and they are more likely to create costly turnovers when they eventually leave. 

If you’d like to connect let me know!  

Not every property is a wise investment.Here's a guide that describes what good cash flow looks like and how to analyze a property.https://www.biggerpockets.com/blog/rental-property-cash-flow... 

I wasnt even there.My insurance company took all the info and will take it from there but it looks like he may be able to get medical expenses.They said that if it was a single family he probably wouldnt get anything but because its considered commercial then he might be able to get paid.

Hi Grayson, with you mentioning conventional 5% down and FHA 3.5% down, it sounds like you are referring to a primary residence.Private Lending/Hard Money Lending is usually on investment property (We can do primaries but it is highly regulated & varies state to state so most refrain from it.)If you are looking to get into a flip, long term loan, whatever it may be.If you have no experience & a solid fico, rule of thumb is 20% down.Hope that helped :)

Like where would I get the money to keep buying houses?

Keep healthy reserves for surprises - they're inevitable in this business.Lastly, treat this like the business it is.

Would be happy to compare pricing options for you if you'd like.