2) Can I reduce risk?  

Hello all -Hope everyone is staying safe and working hard.Pre-COVID, there were several lenders that had programs geared towards investors like myself but they seem to have either suspended their programs, or reduced the amounts they are willing to lend (as well as charging hefty origination fees).Does anyone have recommendations of companies who are still lending with terms similar to pre-corona? 

If the appraisal did not come back where my stated value was, then it would be reduced to hit their max combined LTV.

At most, I can see companies (for both retail and office) gradually reducing their overall footprint.

Which we're told we will get back between year 1-2 and use as a capital return to our investors thereby reducing our total capital investment and increasing our investors returns. 

@Antonio Williams @Marlen WeberYou may want to reach out to the HR department of your employer.Your retirement fund admin may allow loans against your vested 401K balance.There are normally 2 loan provisionsGeneral & Home purchaseHome purchase loan provision allows for a longer pay-back period.Normally loans are not added to your income and not subject to taxes/penalties.Your future paychecks are reduced to pay-back the loan balance.There are also potential risks when taking a 401K loan, the balance being due upon being let go or quitting.Alternatively, this year cause of the cares act, you may potentially be able to take out a distribution(no requirement to pay back) and it wouldn't be subject to penalties.

Are there any other ways to reduce the risk of keeping multi unit properties under my personal name?

But as a first time buyer, it seems the risk would be significantly reduced. 

So if you get prequalified for 80% LTV.....but your property needs 85% LTV to BUY and REHAB....and you want to keep your out of pocket at $0....then maybe we should reduce our initial offer by 5% so you BUY and REHAB at 80%. 

I am no longer able to vend so my business has been reduced by 60%.