I am in the process of getting financing from my credit union for $600k for 20yrs @ 4%.  

We cannot do conventional financing for at least another year and would honestly prefer to have a deal such as this being an owner-will-carry type situation where it is not on my credit (tying up my ability to purchase a house elsewhere).

Closing costs came in at 14% instead of the 5% I budgeted for and I'm going to have to put up cash I reserved for "pretty things" and cosmetic improvements to cover closing costs instead.I'm trying to figure out if I can finance some closing costs on a 203K loan since my lender wouldn't let me do a "lender credit" and take a higher interest rate on a 203K.

Matrix would not take it on, yet they have been willing to guide me with my questions and their advice and I learned so much from my first deal, that it just helped me lock up this one.And yes, it was not my money, credit, forms, or solely my personal knowledge.

With a commercial lease, the landlord can request any amount of deposit, leasehold improvement fee, etc. that s/he wishes - but everything is negotiable.  

You cannot normally count the rent as income on a mortgage for two years.I do give you credit for thinking a lot of this out though!

I think prices are a bit slow to rise but improving, most of the foreclosure inventory has been sold off so that should help.

.#3 - With apartments, you don't have to wait or hope for a rise in value...you purchase a property where you can create the rise in value by improving the NOI (net operating income).  

The short answer is that you will get credit for everything that has a written and transferable contract associated with it.Not all side income will be counted towards forcing your appreciation.

Then, my inlaws have agreed to take out an equity line of credit on their house and are going to have a little more than 40k in money that they are going to allow me to use.