Also some lenders will offer this on newer originated loans.It’s not common but I have seen it offered on occasionIf there is a higher default interest rate then I would consider it but if it’s the same rate as default I would not accept it

with todays  rates , many  borrowers  wont  want to have their  1st mtg  rates   touched ?   

As I would have to move in at least for a year to assume that rate.

Is it Cash Flow, Cap Rate, COC, all three or something else?  

At a glance, it's just Quicken 2.0: advertise a great rate, bury in the small print over $10k in junk fees per $600k borrowed.

Here is what is being considered:SCENARIO 1):1) Parents loan us money at X% rate.2) Loan terms would allow for early payment without penalty (we would get a conventional loan in 2-5 years to pay parents back).

In these cases, interest rates tend to surpass cap rates, compounded by rapid appreciation.

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Here is what is being considered:SCENARIO 1):1) Parents loan us money at X% rate.2) Loan terms would allow for early payment without penalty (we would get a conventional loan in 2-5 years to pay parents back). 

The challenges include - Interest rates - that are as high as they have been in 20 years; property values - which have doubled and tripled in the past 3-5 years.