If you insist on using LLC, there are some banks that can give you a rate and LTV with similar or better terms to what you mention with 20-25 year amortization that balloon in 10 years.  

Pay stubs or employment letter.

Send them a hand written letter.

From the requests I've been BCC'd on, it's not like you need a preapproval letter to see a disclosure package. 

1) I would guess commercial, however your bank would tell you if they would let you "slide", getting the 4 plex in your name would open you up to getting a 30 year loan rather then the business 5 or 10 year balloon loans.2) To change retail to residential, you need to talk to your local zoning officer, and probably building inspector.

I have located several vacant homes i would like to target any recommendations for the wording of the letters would be appreciated due to my lack of experience i will rely on the experts here to advise. thanks in advance Keith 

This is a "trial balloon" so to speak.

I have sent letters out to buy land in Navajo county arizona, got a response to my voice mail, and they want me to mail them an offer.

Hello Everyone,This last Wednesday I started my first yellow letter mailing campaign.

When claiming the mortgage interest deduction, the buyer should include the seller's name and SSN on his tax return and the seller should give the buyer a 1098 letter for the mortgage interest paid by the buyer to the seller.