My assumption is risk could go up for a bank so they may ding you with a higher interest rate for 'hospitality' or 'STR use" than  a mere multifamily use??

Bring in the assumption! 

There may be some refinancing along the way, there may be some 1031 exchange along the way, but hopefully everyone can clearly see that this is very possible to do even making extremely conservative assumptions on the performance of the asset.If you don't agree with any of the above, then please message me.

@Micah Haworth a first important tip in any and all thing REI is to be very clear and exact, as is said "the devil is in the details" and your post is very hard to understand with much assumption to be done. 

(my assumption is 5+ but really not sure)  -Not sure how to calculate the recapture amount yet.  

However, there were quite a few assumptions that you’ve made in your reply.

If I know that when I quote, it is absolutely built into the price, don't make the assumption that everybody is absolutely dying to work for you.

But we often have wholesalers come to us with a closing company that refuses to double close or they wait days between closings, then others do it same day NP.If you assign the contract (best way to save you money) then it's already disclosed that your contract is assignable.The closing company you spoke with 100% assumed you were an agent and didn't want to be liable for telling you the wrong thing, but failed to ask you the right question and making assumptions.

@Joseph GlazerYour assumptions are correct.Few things to be cautious of:1.

I made some assumptions with the numbers, of course.