The apartment complex I live in has instituted the ability to pay by credit card just recently.

There are volumes of material written on performing demographic analysis.One of the best books i've come across to detail the most important demographic concerns for real estate investors and developers comes from the Urban Land INstitute (ULI).

Along with other institutions.

So let’s get to it: Traditional Financing This type of loan is generally done through a mortgage broker or bank, and the lender may be a large banking institution or a quasi-government institution (Freddie Mac, Fannie Mae, etc).

It is politically difficult to raise income taxes, so they raise everything else: property tax; institute landlord "registration" (along with a fee); raise sales taxes; business taxes; personal property taxes -- anything to divide and conquer the taxpayer.Mike

If the investor decides to not collect, intends from the beginning to not collect, or forgives it at a later date, that isnt the business of the banking regulators, it is the business of the investor or institution that holds the note for the note.If the current owner intends on selling off the 2nd position note or relieving it / forgiving it, how does that "artificially inflate the value" of the home?

We get our notes from various institutions, hedge funds, alt-a paper, etc.

The other problem is that "Published" Cap Rates are usually obtained from institutional quality properties which have very different dynamics than small balance sheet type investments.

An LLC puts you into commercial banking department in most institutions but not all.

Just be sure to look out for rent control or even areas where there is talk of local government instituting rent control.