Wish it were true, but every lender bases their rates off of Sofi or 10 yr Treasury, etc. 

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

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%.

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.

Yes, you'd need to setup a budget and ARV, but I've yet to ever see any lender that requires you to actually make a draw.2.

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.

@Alex NgMost likely, income verification will be based on your tax return documents. 

I checked with Mecklenburg County Code Enforcement and they said the units would I would have to have fire walls between the living spaces and would have to submit drawings before I had the work done.