Of course I'm not there to see all the conditions and angles, but people will notice if the easy way is taken out.

Is owner financing common with commercial real estate?

I actually think certain types can be decent investments IF you do the homework and read the docs and know what you're buying into.I personally avoid high rises (too much cap ex and high maintenance costs mean poor return), poorly maintained buildings with lots of deferred maintenance, avoid non-warrantable buildings or complexes (hard to finance), I prefer townhouses or 4plex style condos with only one common wall and nobody above or below, that limits neighbor and tenant drama. 

The Borrower and all sureties, guarantors and endorsers hereof, waive presentment, protest and demand, notice of protest, demand and dishonor and nonpayment of this Loan.

I have a house that I was going to have the walls redone a few years back before a new tenant came in - the walls were heavy textured in kind of a Spanish stucco style, which is not common where I am nor really desirable.

I have noticed over the last 2 years or so that there's more applications from people that work from home or have other non-traditional jobs, and I live in a pretty traditional area so it's not like a coast vs. flyover thing.

During the closing process my realtor had notified the seller's realtor to give the current tenants notice that they had to leave. 

The only reference I have is for my duplex and triplex properties in CO; sewage, water, garbage and share common area fees paid by me; tenant pays gas and electric.

See HUD Notice H 2012-5 for guidance. 

The opening bid published on the notice of sale is the closest/quickest figure you are going to get, unless like I said before, you have a copy of the statement from the borrower and a copy of the legal fees from the trustee beforehand.