I only know a few 2nd mortgage groups and this is outside of their lending area and/or funding amount.

You likely won’t be able to cover all of your mortgage PITI with the rent payments that you’ll receive from one half of the duplex.

If you have a fully paid off vehicle, you won't have the mortgage interest deduction that other taxpayers will have.There is no 'both taxes', there is one income tax form that includes all your income.You will report your rental income and wages on one tax form.

The problem is I cant even come up with ballpark numbers because there are so many variables, but I will give it a shot.Sell as is: $700kCondo conversion: 2 units for total of 1.1M to 1.3MExpenses: 200k-300k for attorney fees and all repairsOpportunity cost(carrying mortgage and delaying debt paydown/investing): 150kCondo conversion profit: $650K To $950kWhat am I missing?

He has accepted and asking for 450 k down payment to pay off his 300K mortgage and give him 150 k while I look the 100 k to rehabilitate the property.

What it states is she was unhappy with the sales team, not that it did not exist.8.

Maintain a strong physical presence at your job sites ensuring dangerous conditions do not exist or are remedied quickly to avoid premises liability exposure.

If you are saying they are too close to a hard money lender in terms of pricing I beleive what you are saying is they are the cheapest hard money debt you have been able to find :)  Ironically Spring Garden Lending came into existence when Univest acquired VG Bank many years ago.

NACA was formed in 1988 and provides an affordable option for potential first-time buyers:✅ No down payment✅ No closing costs or fees✅ No mortgage insurance✅ No consideration of credit score✅ Below market fixed interest rateThere are several requirements to be eligible, starting with attending one of their workshops.https://www.naca.com

Not sure about state laws for the insurance payout angle but if possible, you can always try and get a contract to purchase for much lower and close after seller receives insurance proceeds, then you can potentially have equity and a deal.But based on your existing numbers, taking it down as you stated would not be a good deal in my opinion and based solely off the info you have provided thus far.