A hard money lender (HML) might be fine with your adjustment if they have built a relationship with you and have seen that you know what you are doing.  

After months of searching and negotiation we were able to secured 3 townhouses next to each otherFinancingThe way i structure the deal is pretty simple. each of us would put in an email amount of money for the 25% down payment (yes, i put my own money into the deal as well) the the rest i financing it out through a Commercial bank that I has a relationship with.

Let's meet over coffee and have a general chat, I want to build mutual relationships and grow my network.

😆Real Estate is so much about relationships.

Also, what if the historically low mortgage rates don't last another year?

My landlord-tenant relationship will be just with John. 

How I analyze is after looking at the properties historical financials for 3 years preferably but 1 year minimum I estimate the actual income and expenses of the property.

Is there a way to find out the price CURRENT tenants are paying in rent for a particular neighborhood? I am trying to figure out how much I will charge for rent once I purchase this home, but none of the surrounding h...

Everyone has great suggestions...I would also suggest "local awareness"...If you are considering a rental strategy, use somethiing like www.rentometer.com, enter the sizes and address and see what THAT neighborhood is renting for.The other thing to do is establish a relationship with an investor friendly Realtor that can run a comparative market analysis for you to establish a resale value.

Thanks for the shout out @Justin WindhamMy two cents:I agree with @Patrick Desjardins but maybe I'm misunderstanding the nature of the relationship.