Echoing what @Rick Albert said, see what your market has, based on what you want to charge for future rents.  

I can see why some lenders wouldn't like it since it would cut them out of a deal, but I would guess this is a very niche market based on downpayment size to make up the difference.

If the property has publicly serviced sewer, which is most times billed based on the number of gallons of water used, by using sub meters, we now have the information we need to pass along the sewage charges.

I am not endorsing him but for thirty bucks and a quick read do that before you shell out tens of thousands for an asset protection advisor or some other fear based sales pitch.  

I don't even know if a Japanese resident can get a mortgage on a commercial property that's not based on his/her personal income as the value of the asset is at a high risk of depreciation and the LTV would increase over time and go over 100%.

She can charge 0% interest but would still be responsible for taxes based on the government AFR rate which is around 4-5%So at $400k she would be responsible for $16-20k in taxesYou can have a title company originate the note and mortgageWe do this stuff all day long as investors (not attorneys) so happy to help

This perspective is quite common in the MF sector, especially where sales comparisons are largely based on the asset's condition and financial performance (NOI which leads to a cap rate).When comparing two properties with similar capital expenditure needs, the industry standard is to evaluate them based on a cap rate.

Based on the research I've done, I believe we need a Bridge Loan.

Notably, last year saw an unusual surge in October, which traditionally had been one of the slower months, often trailing only behind September.Seasonal Trends Based on Previous Years:January - Recognized as a mid-season period, January experiences a boost from holiday spending that extends into the first 10 days of the month.

I've been burned before so I'd rather walk away from a deal with a tenant like this, yet they seem like a very good candidate match based on their current portfolio.