I would like to exercise this on larger investment apartments but figured I probably should start smaller.  

Here's the part of her plan that irritates me: She's selecting the tenant/buyer for you with the intent that they will not exercise their purchase option, but she wants you to split the option purchase price with her because she found you the tenant.

As @Will Koederitz mentioned there is a due on sale clause that some lenders are exercising.  

(If you want to see samples, I've included a link below)2.

But for a small sample, just like for five lottery tickets, the mean isn't very meaningful.

If you have an option contract and you have not yet exercised the option to purchase - there is no purchase agreement in full force and effect.

The economic value of a machine used in production can be easily idetifed based on it's capacity of output, operating expense and it's salvage value, all data based on large sample sizes and shown to be reliable over time.

Jon I'm curious why you think banks will eventually want to start exercising the due-on-sale clause?

Use that exercise to uncover gaps in your understand, things you need to research and other details.Budget for the year.

The lower the interest, the greater the discount.Of course, if the cash flow is good, you may want to bring the note to term and if the buyer doesn't exercise his option to buy, you could resell the property at the new value.