If things like "ability to pay", "loan servicing" "Dodd-Frank", "predatory lending/dealing" is not mentioned, stay away from doing anything suggested.

We still ensure our end buyers have the ability to pay per the regs, of course.

RMLO to look over a 1003 app to approve the Ability to Repay Rulesee  https://www.dropbox.com/s/xd2qn5djkf6z15v/Mortgage...

Needless to say, our ability to move forward came to a halt.Bryan phoned me afterwards to let me know that even though our Tampa friend was out, he wanted to invest with us as soon as he’s able.

If you feel very confident on your ability to return your projected numbers and keep rehab budget/timeline and ARV in check, then I think hard money is the way to go based on just the numbers. 

This place has a solid reputation, steady revenue and the only issue with the business seems to be the families health and ability of the current owner to operate it in her elderly years.

I will say that based upon where this property is (very desirable location), I'm not terribly concerned about the demand, and the ability to find very good tenants. 

If its a small business loan under an existing/new LLC then the banks typically look at the income generating ability for the property in question more than your personal income.

Our 2 biggest marketing channels are website using Seo and pay per click, and direct mail.

Before you can be creative and think outside the box you must know what's inside the box, what the rules are, how transactions can be engineered, how to use other assets, monetary assets or your abilities.