So here's the thing, I'm 17 years old with some basic knowledge on real estate like types of loans and investment strategies.

YOU are not the bad guy for not giving the loan to the buyer.There are lots of other rules that you have to abide by for the 3+ per year.

Here is how to buy using "off market", "Subject To" and save $410,755 on the same property.
Notice that the purchase price is less for the same property, because the seller is selling for what they owe on it. This is...

Get a loan to fix the basement to bring rent to market value.I'm sure I would need to provide more information for answers so let me know!

It's actually funny....I heard the news break about the 'good economy' while listening to a show on Sirius POTUS channel with a national expert throwing out depressing numbers about the huge numbers of people living paycheck-to-paycheck (40-something %), and the increasing popularity of using these Payday Loan places (12-something %)So no the economy is not doing that well, but they can cook the books to make it look good (and both sides do)....

What happens to cash flow if the 10yr fixed rate loan with 5 yrs IO goes amortizing?

@Matt LopezNot an economist but smaller banks will be in a lot of trouble, banks will also tighten lending standards making it harder for people and businesses to get loans which typically leads to higher unemployment due to cash flow issuesThis will then lead to softening in housing.

No lender will give a loan out for that amount because residential single family houses and multifamily are based on comps.

I have ask the current mortgage company and they are not willing to let me assume the loan so that idea is out the door.

We owe about $840,000, so we now have a total of ~$702,500 in equity, we are now only about 54% leveraged with our commercial loan, and we have a "machine" that cashflows a total of ~$3649/mo (once those two vacant units are filled).