You can use a variety of Creative Financing such as a WRAP.WRAP – A wraparound mortgage "wraps" around the seller's existing mortgage, meaning the total loan amount includes the unpaid balance of the original mortgage plus the additional funds needed to finance the purchase.

There are a number a factors that affect this, including the fact that this could be considered an installment sale.

There are clear winners in types of photos that should be included in your listing, along with examples of listings I believe achieve this.

In ever case it has been a win-win for both the seller and the buyer.Benefits include:-Faster closing-Lower down payment/less out of pocket-Better deal terms-Fewer "hoops" to jump through-Allows you to scale faster (if that's your goal)I've been willing to pay slightly more for a property (which the seller loves) in exchange for a lower down payment or better terms. 

Both buildings are included under the same address.Can I legally insure the 1 bed 1 bath as a shop even if I am renting it out, or does it have to be insured as a separate dwelling?

@Travis Martin - I know a gal that is a tenant placement specialist and has been doing it for sometime, including for RBTR.

But, you also need to understand until the quad is sold, the payment still goes against your debt to income ratio including the new higher HELOC payment. 

Hours include drive time:                    2.5 hoursFilled out insurance application for 123 Maple Street and discussed with broker:   1 hourA lined sheet of paper could accomplish this.  

So, included in the Option is a clause that the Optionee takes full responsibility for the property as though they already own the property.

Or something specific about not flushing wipes (to include "flushable" wipes / paper towels?