Sounds like the question is more about the trade off of (time and money going into a commercial-to-residential conversion) compared to (savings from better loan terms)...

Even with using the lowest cost IRA provider out there the fee for 4 separate accounts is over $600 annually assuming my wife & I open a Roth & traditional each.

Basically, the husband liked this comparable house, while the wife appreciated and even loved the layout of my house.

Thus, no employee at the bank really cares.If you really want to focus on negotiating with the lender at the pre-foreclosure level, maybe consider focusing on non-traditional mortgages.

I should be able to get traditional financing.  

A more traditional way is go to smaller community banks.

Area agents sold 8,518 single-family homes last month compared to the last record high of 8,367 in June 2017.

The last thing I want to portray is "low-income housing" I'm starting to lean more towards "Handel Homes" because it sounds more "upscale" compared to housing.

I'm not asking for profitability, I know how to run the numbers for that....As I said I'm asking about the price of the structure compared to other four unit buildings in the area there, and since it is a four unit you don't value it by commercial standards....

I'll let you know what I learn and look forward to comparing notes as we each enter this arena!