Commercial loans typically amortize a bit shorter… for us 20-25 years, with a rate that resets every 5 years, but I would recommend a mortgage brokerage company, versus a typical mainstream bank.  

I made my parents an offer, they accepted it.

Did some real halfway work and made me start looking elsewhere.Found a new reliable GCEvelevated my handy man crewsThe town did not accept the hardship to convert a commercial unit to a residential unit.

Somehow this almost never gets discussed in mainstream media, yet it's the single greatest argument for why we're not in a bubble.

The reason for short time gap: X spun the loan off to Y and Y does an audit and throws it back: this is not A paper like you promised in the pile of deals it's in default and we don't accept it in this one 

Listing agent finally responds several days later and first he says he had COVID, then said he was on vacation and the house now has an accepted offer even though there's nothing about an accepted offer on the listing. 

Normally I increase the interest rate to account for the added cost of PMI, but it would be nice to have that feature built into the calculator.Regarding updating product offerings at BP, I think they are pretty good about accepting feedback.

Low credit scores accepted It is not a secret to all of us that banks will deny you for having a low credit score.

I would recommend looking at both for an acceptable opportunity review.Per recovery of "cash in" concept, please don't forget "year 1" numbers will change over time - and hopefully "year 1" is the worst. 

If I was your agent I would tell you to write a lowball offer on some of these that have been sitting out there and see what shakes out,,,,,,make sure there's an appraisal and inspection contingency in your offer......If your offer gets accepted and you ultimately purchase the place then you only have to live there for a year....then simply move out and put a renter in the side of the duplex you were living in.....at that point your biggest problem will be finding another place to live.