We've done this personally on refis with just a lease,  but through a local credit union so I'm sure it's different. it seems like there is a lot of potential problems this would create for the owner, tenant and PM if the lenders have to have a signed lease and all funds upfront, before the loan is closed.

As a dedicated BiggerPockets member and an active participant in various real estate ventures, I was merely seeking to gather the necessary information to explore a potential new business opportunity.

You benefit from equity, income taxes, and potential cashflow.

Also, what are your opinions on telling the potential tenants you are the owner in the other unit?

I am particularly interested in finding a house in a good neighborhood that has not yet appreciated significantly but has potential for future growth.I would greatly appreciate the opportunity to discuss this with experienced real estate agents in the area to understand which neighborhoods might be good investment opportunities.

I recognize that there are going to be sub-to that were owner financed at high LTV (>=95%) that barely appreciated, but it is likely below 0.1% of listings and the odds of it being an optimal investment purchase make the odds even longer.I would look at sub-to as potentially a way to get way below current rate loan and not as a low down option.  

I would want to know the debt service coverage ratio the lender looks for to ensure the loan amount won't change in the future.

Any other potential expense or longer vacancy would push it negative.You are fortunate to have not had any large expenses yet and I hope that lasts as long as possible for you.

Partner Driven was interested in the Church St deal in Baltimore, MD, due to its high profit potential.

I don’t plan on moving out anytime in the near future.