Also some lenders will offer this on newer originated loans.It’s not common but I have seen it offered on occasionIf there is a higher default interest rate then I would consider it but if it’s the same rate as default I would not accept it

As I would have to move in at least for a year to assume that rate.

Is it Cash Flow, Cap Rate, COC, all three or something else?  

At a glance, it's just Quicken 2.0: advertise a great rate, bury in the small print over $10k in junk fees per $600k borrowed.

There are less lenders who do this and the rate and fees will usually be higher. 

This program is also winning on our weekly interest rate survey at the moment.Here is an example of a loan summary put together for a client last week.

The MIL has owned the property for 4 years and there is no mortgage (purchased in cash by her grandson; I raise this to you in case there are capital gains implications for MIL and DIL when the latter sells). 

Here is what is being considered:SCENARIO 1):1) Parents loan us money at X% rate.2) Loan terms would allow for early payment without penalty (we would get a conventional loan in 2-5 years to pay parents back). 

I also set up my new corp and got a call from 1800acct pitch sale was great seemed like I had a great company working for me, after first phone meeting w my accountant I realize i made a big mistake , they tried to charge more for any variables I had , I got the year deal paid in full and they run away with my money they didn't reimburse a penny total ripoff guys!!!

This was the first property I found that would cash flow with a 30-year mortgage with 20% down.