In addition, if this was originally an owner occupied house, there are often homestead exemptions where the first  $XX,XXX. of the value of the home aren't taxed.  

For example, require a minimum FICO score of XXX, gross monthly income X times the rent, and verifiable income for the last X years.

I have personally seen that scenario take place and what ultimately happened was that the company just came back to the debtor and said, "You have to come up with $XXX,XXX for us to be able to qualify you for help.  

Also get rid of the cat or you'll be charged an additional $xxx fee and an extra $xx/month.

The location all in,cost him X; he got an appraisal for the bank from CBRE national firmof XX and now the firm who called him mentioned paying XXX.

I don't know your living situation but if your paying x,xxx for rent or a mortgage and instead by living in one side and renting out the other you will be paying y,yyy instead and y is less then x that's great, especially if you can rent out your primary residence and make income there too. 

Seller finance the property- ask for an up front, non-refundable down payment of $XXX (which could be used as his primary residence down payment), payments of $X over X years at X interest rate with a balloon payment in X years2.

"I am calling to inquire on getting a commercial mortgage to buy a multi family property of xxx units.

You can now use the address of the post office followed by unit #xxx instead of PO Box #.

Bottom line is 3% interest on $XXX is the same weather its in a HELOC or a 30 yr fixed.