Your last sentence, "Resolving all 'grey areas' on terms favorable to the IRS would cost my clients much more than what is risked.

By the way, I just reread my message and the first sentence may have sounded harsh...it was intended as "What is your current knowledge?"...

If I'm wrong, nothing past this sentence applies.Yes it would be a commercial loan. 

Your very first sentence you put unwarranted limitations on yourself.

That's why I was curious if we were saying/asking the wrong things.You need to make sure that within the first sentence, they know that you're NOT asking about owner-occupier Loans [unless you DO want a HELOC].

Of course, no investment is completely risk free.I can agree with the last two sentences, but want to comment on the first. 

for instance I wont sell one of my new constructions if the buyer is using Rocket.. they are beyond redicules and furious all in the same sentence.. and wells can be a challenge as well

If someone gets to the point in a few sentences, they have a lot of grey matter.I'll stop typing now.

This route aligns with your last sentence in your post. 

This matters for my preceding sentence.