Hi Emmanuel, Without knowing the specifics of your situation ( income and debts) the answer is it could and it couldn't. when buying a multi family home the down payment is 25% for a duplex 30% for 3-4 units. obviously if are buying a rental property, potential rental income will be factored in.  

It was offered to a relative of mine as payment for services rendered, meaning we risk losing nothing here.

Owner said has long term tenant on one side of 9 years , building has had  great rental history.  600*2=1200 monthly1200*12= 14400 yearly taxes/insurance =2800 yearlyrepairs/maintenance 10%= 1440vacancy 10%=1440 14400-2800-1440-1440=8720 NOI20% down on 99000 @ 4% interest 30 years =19980 mortgage payment roughly 382 a month /382*12= 4584(NOI )8720 - (debt service )4584= 4136 monthly cash flowcash flow 4136 / (money invested) 19980 =20% ROIAm i missing anything here ?

Hello fellow Pocketiers, I have a quick question related to commercial loan.Normally bank would ask 30% down-payment on loan.

of course every state is different but I know In our state Oregon commercial is far different than resi.. you can lock it up right after non payment.. just think of resturants you see closed and locked.

I refinanced it during the seventh month at a value of $260,000, and got most of my initial down payment back out!

Right now I have about 10k that I could put as a down payment.

When we asked for the down payment back he wrote a $600 check and said the rest of the money went to his costs... $1400 for gas and a 6x6 inch block of concrete?!?!

If you plan on using a loan to buy, then include your mortgage payment. 

Recently moved from Canada so I don’t have any credit or verifiable income, but can put a good down payment down (40k) cash or so.