And that residential department will often not speak to the commercial department.

You'll need to speak with a lender and have some type of a down payment....likely 25% down (or so).  

This is generally speaking and of course there are the needles in haystacks out there.

So go and speak with a lender right away about this option but try what you can on coming up with that 3.5% (+ closing costs) on your own. 

I've recently used a cold calling service to help with my marketing campaign and a potential seller wants to speak with me.

By the way, this will seem absolutely ridiculous, but did you know that most builder contracts have a clause that states that their sales rep and/or any hosts do not speak on their behalf..?! 

Would be a good person to speak with to start

It is more about the structure of the LLC (i.e. who owns the LLC).I would speak with a CPA about your question.Best of luck!

There's a lot fewer of the homeless that you speak of and they won't be endemically homeless either). 

Ask to speak with a manager and either have them resolve this to your satisfaction or bolt.