Are some lenders routinely better than others in accounting for this, such as Local Credit Unions vs Commercial Loans vs FHA, etc.....Is there ever consideration given of the precious owners rental income stream as to the quality/probability of an income stream?

I am more concerned with the thought of owning 20000 sq ft of commercial space in a small town than the dollars and cents, since the numbers work out as a very good deal for me.Does anyone have any advice?

Feel free to send me a colleague request or contact me... maybe something will work out, maybe not.

This includes proving that you attempted to contact the borrower in attempt to work out avoiding foreclosure, etc.

I routinely drive by them on alumni weekends.

Before you pull the trigger though, make sure you have a second and third exit strategy if it doesn't work out for whatever reason.

It is that 20k that I am trying to work out how to finance.

If they can afford to carry financing for you then just work-out some monthly payments.

There are plenty of houses in my city that I've calculated to be around this ROI level and plan to keep buying these as long as the 'actual' numbers work out.

If I were you, I'd go into the "foreclosure workout business" being in a law office you'll have the freedom to contact those facing foreclosure where others are not.