@Cameron Martin WC rates for GC & roofing are typically 20-35% of the total payroll. 

After Powell said he will pencil in 3 rate cuts, the housing market started the craze again (Bay Area heavily tied to stock market). 

The lease (with the current college students) was just renewed through their 2025 school year.I'm trying to figure out how to make this happen with little-to-no money down, as I have other 'irons in the fire' at the moment.I'm planning to offer $400-450k for the home, and am trying to structure something where a conventional lender would loan an amount that would be covered by the current rental rate (lets just say $300-350k)...   ...then, anything outside of that amount, would be carried by the Seller (for a short while)...   ...Seller financed with a ballon in 5-years?  

I think the market for small bay flex space is right around $15/SF NNN and I would want to achieve a 10% cap rate going in and an 8% cap exit.

Elton,When a lender is doing a loan under $100K expecg higher rates/fee's. 

Say you bought it for $200,000 and sold it for $250,000 and they put $50,000 down.Your basis is now $150,000 and the principal payments that come in from the borrower will continue to lower your basis and the interest payment is taxed at ordinary income rates.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

Decent interest rates.

For example, with a strong DSCR and high credit your leverage can be greatly extended and your interest rate lowered to a point where it makes your offer price ability bump lift and yet still be profitable.

I assume it will help improve the success rate of acceptance.