Just send a private message and we can talk more.

Having dealt with smokers who dont think butts are trash and twenty something slobs I empathise, your best bet is get them out.

I'll Private Message you. 

The days the angel investor realize they are betting on non-profitable companies in SFBA are not too far.

This is a great investment opportunity I don't want to pass up, so I want to explore all my options for financing.Secondary question- would it affect my mortgage approval chances if the loan for the down payment was a home equity loan vs. an unsecured loan vs. a private money loan?

This could work well for the pastor's retirement, as they would get consistent long term monthly income.Or you could seek out a private lender(s), (maybe someone in the church has the $$) see if they will loan you the money.

On that note then does anyone know a lender who works well with private contractors in Los Angeles?

I'd imagine selling + 1031 exchange would be your best bet, although you can probably get an 80% ltv line of credit through Penfed if you want a different route.

You can get a conventional bank loan, a partnership, private loan, etc.

You can google SJREIA and I'll send you a link privately also.