We've discussed buying the house directly from her (off-market/before she tries to sell it) and she told us to make her an offer.

I don't write this to fully dispute your conclusions, but to share the more conservative outlook with anyone else who may be learning from these discussions.

The financing agencies expect the loan to go up to the full term, so if a sponsor decides midway through the holding period to sell the property or refinance, they may incur a very heavy penalty that can go into the millions of dollars for the early payoff.If the loan term is nearing its end, usually the prepayment penalty we discussed earlier is a lot lower, which gives the sponsor the flexibility to decide to either refinance or sell the property.

Maybe there is no way to discuss with the information I have given.

I have a meeting scheduled for this Sunday with the investor to discuss possibly renting and or managing the property.

hey @Drew Sygit Thanks for joining he discussion.

In any case, I think it's likely simplest to request that the seller provide the disclosure statement within 3 or 4 days of mutual acceptance.That way you don't have to get into any language discussing the inspection time frame, which makes it more complicated and also makes it harder for you to schedule an inspection.

I've been in discussion with some sellers.

After a few more discussions with financial advisors and my account holder.

Oftentimes, I am not listed as the owner anyways (held in my wife's name), and discussing the specifics of my business model and how assets are held is on a "need to know" basis.