Hey @Jorge Arias, There are two main ones: Real estate professional and short term rental loophole.

Renting short term or long term will have some bearing on it but this isn't too far fetched to find a lender for this sort of thing.A small, local lender will be your HIGHEST probability of success when trying to find investor friendly lenders on investment properties.

Simple -- the fraudulent actions and misrepresentations you reference are against statutes and contractual terms. 

Each investor will have different guidelines in terms of how many units is the property and what percentage is commercial compared to residential. 

This seems like a Down Payment Assistance like grant...We would have to figure out the terms of the Habitat grant. 

Cash snowball you will sell short term to build up cash.5.  

But, simply the end of the contract term doesn't mean the tenant will be moving.

But, in future if we want to develop any residential or commercial buildings on this land, would this rail road track going to be a deal breaker in terms of attracting potential developers or buyers or investors? 

Things you want to consider would be what your long-term plans are with this property.

.- You won't extend the term back to 30 years (which is definitely part of your monthly projected savings).