I’m trying to find creative ways to finance and leave minimal amounts of my own capital in deals.  

I would say for the minimal price difference, go with the stainless.

You should be able to minimize this risk based on who you get as a tenant.All my properties are 3 bed 2.5 bath, and would sell in the $225 to 250k range in today's market.

I had minimal due diligence docs on the 22 unit but was willing to take a chance knowing that I could have quite a few issues.

Hi, Just trying to know experience on private lending .How much interest rate charging with or without points, what is risk, how to minimize/mitigate the risk.any negative experience, if yes, what was issue etc.How to track payments, can we link payment with credit .Thanks

You want to minimize your risk. 

Cash matters when you back it with minimal inspections so they know it is not a bait and switch where you say I will pay listing and then subtract significant money after the offer based on inspections. 

The two rented units minimized holding costs and will provide tenant transition options.

Some of the stuff may have value, but it's minimal. 

I'm trying to finance as much as possible (minimal down payment) and can get a APR of 3.6% with 30years fixed.