But if caught claiming occupancy when you will not is a pretty serious offense: "Occupancy fraud is akin to banking fraud, where the lender can demand the loan be paid in full.

@Gavin JexSo you want a bank loan and then seller finance as wellA bank would not be in second position so they as the owner / lender would be in second.Also 0% they would still be responsible for taxes on that at AFR so if your payment is $300/mo the loan would go off federal rates so they would essentially have to claim around $5k in interest income which would be ordinary income so they may end up paying all of your payment in taxes… just fyi if they did speak with someone on thisSounds like a steal if deal for you

I would buy a lot, build a new home on a construction loan and then refinance it on a permanent loan when house was complete.

If it were me I'd be looking at taking advantage of a low down payment owner occupied loan and getting a house hack going in that market. 

Hi if I am going to buy and investment property , put it under an LLC, what are the pros and cons of using a saving secured loan vs. delayed financing?

the only problem is that the banks don't want to loan on it because it is pre 1976  I don't mind buying it cash or with some hard money. 

Yes it is factored into the loan and you are paying for it so you might as well use it.

But I captured equity at purchase then more quickly through value add then refinanced into long term loans before the balloon.

Different loans, different lending standards, etc.

This could be middle aged couples looking to downsize, young adults looking to be mobile and save some cash - especially around this rental market in Denver- or people who may have been in some financial issues who are finding it hard to be approved to rent or get a loan, etc...