The lender has required a 'Prior to Docs ( “PTD” ) Condition':"Business Verification Needed - Broker to obtain a CPA letter to confirm the borrowers current business waspreviously filed as sch c and confirm how long been in business for."

Also, hearing the same terms over and over and over really helped. 

As long as I keep track of what expenses belong to which LLC, is it safe to continue running all of the payments and credit cards through the holdings company and then just divvy it up during tax time?

We have consulted with real estate lawyers and they basically just tell us you guys need to create your own terms and how you want to proceed. my thought is, 100k down while waiting for loan to assume, and seller financing and living there until that moment, and covering the rest of the funds at the closing table.

Is this consistent with what I should expect to pay for the returns I had performed?

Roseville and Rocklin are great areas for long-term stability and growth, but the prices are quite high and the rents are LOW, and they're not friendly in terms of regulations for STR. 

The terms are not as attractive on a mixed use loan compared to a 1-4 unit residential loan.

I get where you're coming from with the concern about the new casino's impact on short-term rentals (STR).

Unfortunately this was held way too long due to a number of factors, including COVID, city planning and permit delays, delays in construction and materials, and additional delays by city.

I seek out tenants who will stay a long time, reducing vacancy, and turnover costs.