There are other agencies that deal with loans and regulations about loans, but as a non-US citizen, your lending situation will be much more complex than for a US citizen.

I sign contracts with the apartment complexes to become independent contractors for them.

The building is a 10-unit apartment complex that they inherited, own and are (poorly) managing.At this point I'm thinking about an offer that looks like this: $300,000 sales price, $30,000 down and 6 unilateral notes of $45,000 (1 to each sibling).The reason why I would offer it as such is so the executor would be tempted by the convenience of such a payment structure vs. getting a check for X and having to send out 5 other checks per month to his siblings.Thoughts?

I've found an approx 90-door MFR complex that I want to purchase, and even had my offer - expressed as a letter of intent - "agreed in principle", and both the seller and I are happy with the terms.

People pushing bad deals often have a complex spreadsheet showing how the losses turn into gains.

It's an apartment complex if that helps.I thought that it meant the property comes with 1.9Mil in debt which would mean that the deal is no longer good because the cap is 2.2%.

That's a fairly complex process and will involve significant legal fees.

Would it be basic or complex?

Commercial is longer and more complex thats why you do a simple Letter of intent to just say you're interested and if they accept it you do a full offer.

The $46M tax assessed value isn't the true value of the property which is I presume a multi unit complex.