Then a bank will lend on the two as if they were one and that will result in a higher lending amount.

You may have to put more money down (10-15%), but you can close, in a LLC, with no worries about banks.

I realize there are not many banks that offer this.

And you basically bank 21 nights then get to use 21 nights from someone else.

Personally, I love them because they offer built-in diversification.In my experience, local banks are your best bet for financing mixed-use properties.

Using an insurance and bank loan product, putting $500,000 each year for 10 years so your family gets $2mm tax free each year forever.  

That includes going to the bank and getting a cashiers check.Pay them at the bank, get deed notarized there, then take it to Register of Deeds and file deed.I have done this a half dozen times to keep from missing out on a great deal.For what I'm paying any risk is negligible.  

Now there is danger in that of course 1. you can miss something  2. when you go to resell if the title companies representing the bank or new buyer dont know you and they are not title company prepped deeds they may refuse to insure the next transaction as they may think the risk of title fraud is too great to take it on.  

Although we do have deals on the lending side that dont work but we are not forced into a position to take big loss's like we were when the banks were calling our loans.. this will happen in the DSCR world as all these folks are using same type of debt IE debt that can be called based on the terms of the debt or like you have seen with the syndicators that are talked about on BP max leverage bad debt things dont go right And you have cap calls or projects totally lost. 

If you're capable of getting funding from a bank, those terms are terrible.