If you buy the property through an LLC, then you can deal with commercial financing on a residential property. Most commercial lenders do not have the same regulations as residential lenders. You can buy the property at $125,000.00 Pay the difference in the transfer tax, and get a sellers assist / credit to the actual purchase price of $90,000.00. Then your financed from day one at 72% LTV. The bank is happy with the collateral, and your happy with the mortgage…